Hello. Debt settlement for unsecured loans is definately an option for you even if the debt is not credit card related. (…)

If all your debt is student loan debt then you will want to try and consolidate it through a student loan consolidation company. (…)

A citation from a credit card company is the start of a legal procedure against you by the company to retrieve the money that you owe them. (…)

Hello. You can get your credit repaired after entering a debt settlement program but it will likely take a few years after you are debt free. (…)

Unfortunately, I do not really work with companies who provide loans, however, I will refer you to the service that I use to find home loans. I discuss that here. (…)

I suggest you look into all your options using a professional debt relief company that offers a debt settlement or debt management program. (…)

Yes, medical bill debt is OK to include in calculations of your total unsecured debts. (…)

Hello. Debt settlement services have been around for a long time. The settlement process is similar to what a lawyer does when you hear that “a settlement was reached”. (…)

Hello. A credit card debt judgement is basically a court order that allows Bank of America to to collect the money you owe them through your bank accounts or possibly even garnish your wages. (…)

When seeking assistance in determining if an offer in compromise may be available to you as an IRS tax debt relief solution, be careful that you seek the best help. (…)

The IRS offers a tax compromise in certain situations because they know it is their only option. If you prove to them you cannot pay them your tax, they are willing to take what you can afford vs. (…)

The IRS can grant an offer in compromise to people who owe large amounts of federal taxes that they have no way of paying. (…)

Hello, thanks for the question. Your creditors may be more likely to accept your debt settlement offers if you work through a professional settlement company. (…)

Hello. Unfortunately, the answer is not very cut and dry. You can always be helped but it is a question of the type of help you choose. (…)

Typically once you have been sued by a creditor, it is too late for debt settlement as many settlement companies will not take your case. (…)

Hello. Unfortunately, I do not know of them. There are many debt settlement companies out there and you should always look into a few to decide which you are the most comfortable with. (…)

Hello. Your answer really depends on what process you are thinking about pursuing, a debt settlement program or a debt management program. (…)

Actually, there is nothing you can do to remove the charge offs on your credit report except wait the 7 years it takes for them to fall off your report. (…)

If you’d like I can refer you to a legitimate debt settlement company but I need you to please complete a form on my page under “Need My Help” so that I know where you live and the debt amount you have so that I can match you up correctly. (…)

Good question. After all, if you are in debt, you cannot spend a lot of money to get out of debt. (…)