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Archive for October, 2007

My credit card debt has been charged off and now a collection agency is harrassing me for payment. My contract is not with them, but with the credit card co.

When you fall behind on your payments, credit card companies often use 3rd party

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I have good credit just have to much debt need to consolidate my bills without hurting my credit is that possible. I own a home but can’t refi right know.

Hello. You can consolidate your bills through either a debt management or

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bankruptcy or debt settlement? I receive different opinions from people within the business profession as to which is the best debt solution.

There is no clear cut answer for this question. Bankruptcy may be right for certain people in

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Currently using Emergency Debt Relief and their monthly fee is 1/2 of my monthly payment. Are there any free companies to get the remaining balances paid with out a monthly fee?

Hello. I do not know of any free debt relief companies to get you out of debt. Many people mistakenly believe

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I am trying to decide whether to go with a debt consolidation company for 3 years at $491 a month or a debt settlement company for 2 years at $340 a month. From what I understand, the settlement company will get rid of my debt faster for cheaper, but will do more damage to my credit report. I need to refinance my house in 4 years. Which program should I go with? Will it affect my refinance?

The decision on what type of solution to use must be your own when choosing between a

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I have a load of credit card debt due to struggling small business. I don’t want to do the bankruptcy thing but I have to do something if I’m going to stay alive. I also have some leasing agreements which I’d like help with.

If you are behind and unable to pay your credit card bills, then it sounds like you may want to

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I have alot of Secured Debt. 3 loans from 3 companys totaling about 10,000 and I have no way to pay back. I lost my job of ten years and last year my wife was sick and out of work for 5 months. I do have a job now but it is only part time 32 hours a week. We can not file bankruptcy because of the fact that we have one from 2003. We have had our car repoed as well. What can we do?

Unfortunately, if it is secured debt, the company who loaned you the money will most likely

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I recently recieved a call from a creditor that was a law firm claiming they will sue me if I don’t pay. However, I pulled up my credit report at equifax and the account that they are talking about is not there. I believe it was charged off. Do I still have to pay it and can they still sue me?

Hello. This is really a legal question that I cannot answer but what I can tell you is that

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If you use a debt settlement program are there any tax implications?

Yes, debt settlement saves you money by reducing your balance on

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I have 5,000 credit card debt. should transfer to a credit card that offers 18mos intrest free if i know that i can pay it off by or before the end of the 18 mos.

There are lots of credit card debt offers out there trying to lure you to

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