Hello and thanks for the question. There are several parts to your question. (…)

You really need to speak directly with a good debt settlement company to get an accurate answer to your question as the dynamics change constantly within the various credit card companies and how they settle credit card accounts. (…)

Hello. Sure I can assist you in finding a good debt counseling company but I will need you to please complete the form on my site which tells me a little about your debt amount and location. (…)

Hi. I am not a debt counselor or debt settlement agency so I personally do not settle credit card debt for people. (…)

The answer as to how a late payment affects your credit score really depends on who you are making your payments to. (…)

Unfortunately, this is a legal question and I am not a lawyer. I wish I could be of more help but I would suggest that you seek the advice of a lawyer who may be familiar with your specific case. (…)

Hello. Unfortunately I do not know them well. There are literally dozens if not hundreds of companies out there. (…)

Hello. Actually you will have to discuss your specific credit card debt reduction numbers with a debt help company. (…)

If you have already been sued by a credit card company, I think you are best off speaking directly with a lawyer who specializes in debt problems rather than a debt consolidation office. (…)

Hello. Good question but it really depends on which type of debt solution you are referring to. (…)

I read today that over 14% of the people living in the U.S. have ten or more credit cards. That is amazing! Who needs 10 credit cards? (…)

Good Morning. The fact that you are still getting collections calls is not surprising but you should discuss this with your debt settlement program company. (…)

Hello and thanks for the question…Although I have heard about that company, I am not familiar enough with them to give my opinion. (…)

Hello. If you do not want to try and reduce your debt through a debt settlement process, I suggest investigating a debt management program. (…)

Hello. Entering a credit counseling program is typically noted on your credit score and can actually effect your credit score as can debt settlement. (…)

Hello, thanks for the question. (…)

When trying to get out of debt, the decision to cut up your credit cards needs to be looked at on a case by case basis. (…)

Think of selecting a company to assist you in clearing out your debt in the same way that you select any other important financial service you use. (…)

Good question. Of course you can try to negotiate credit card debt on your own without professional help. (…)

I apologize and you are correct, we recently made some programming changes and the $10,000-$20,000 option was left out. I appreciate you pointing the error out to me. It is now fixed. Thank You! (…)