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Archive for May, 2007

MY debt is not from credit card debt but form unsecured loans. Is debt management still an option for me?

Hello. Debt settlement for unsecured loans is definately an option for you even if

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i understand that you are unable to personally help people with extensive student loan debt (like me with $170k), but can you recommend somewhere we can go for debt consolidation or debt settlement help?

If all your debt is student loan debt then you will want to try and consolidate it through

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I have been served with a citation from a credit card co. Can I go to jail over this? What can I do about this?

A citation from a credit card company is the start of a legal procedure against you by

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how long will my credit be damaged if i enter into a debt settlement program and can my credit be repaired after completing a debt settlement program??

Hello. You can get your credit repaired after entering a debt settlement program but

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We are having problems getting a home equity loan because of bad debt to income ratio. We have enough equity in our home to pay off all credit card debt. Is there a company that can help us get a loan?

Unfortunately, I do not really work with companies who provide loans, however,

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I am in real trouble. I cant pay my debts and have money to live on.

I suggest you look into all your options using a professional debt relief company that offers

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what if your debt is not only credit card debt but medical bill debt as well?

Yes, medical bill debt is OK to include in

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Is this debt settlement new or how long has it been around? How many companies are there that offer debt settlement services?

Hello. Debt settlement services have been

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What is a “Credit Card Debt Judgement?” I have one filed by Harris & Zide for B of A. How do I reverse this if I want to settle with them?

Hello. A credit card debt judgement is basically a court order that allows

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Who Provides Offer in Compromise Help?

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. In general, their are several types of people who can provide this service like lawyers, accountants, and federally licensed agents. I recommend you work with more »

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Why Would the IRS Offer Compromise?

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. their alternatives of: 1. Never getting anything from you 2. Spending valuable time and resources chasing after more »

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What is an Offer in Compromise?

The IRS can grant an offer in compromise to people who owe large amounts of federal taxes that they have no way of paying. It is a solution to the debtor that reduces the total tax bill by a potentially huge amount, sometimes for pennies on the dollar. It is basically a settlement negotiation just more »

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What if some of my creditors refuse my debt settlement offers, through a company that I recieve a referal from you. Will they still help me settle others even if it falls below $10k mark because of the companies denying my offers?

Hello, thanks for the question. Your creditors may be more likely to

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Can I still be helped if credit card debt has been turned over to a Law Firm or Collection Agency?

Hello. Unfortunately, the answer is not very cut and dry. You can always

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Can I do Debt settlement with a garnishment and judgements?

Typically once you have been sued by a creditor, it is too late

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Is Debt Settlement out of Arizona one you recommend? They have worked with me on some pre-settlement advise.

Hello. Unfortunately, I do not know of them. There are many

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While i am paying off one creditor, what happens to the other accounts during this debt relief process?

Hello. Your answer really depends on what

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I have charge offs on my credit report. Do they come off after so many years or do i need a debt settelment team to work out a deal?

Actually, there is nothing you can do to remove the charge offs on your

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HOW CAN I FIND LEGITMATE AFFORDABLE DEBT SETTLEMENT COMPANY?

If you’d like I can refer you to a legitimate debt settlement company but I need

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How do I pay the debt settlement company fees that is working for me?

Good question. After all, if you are in debt, you cannot spend a lot

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