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Archive for June, 2007

Do I need a home phone for the debt relief process?

Yes, you need some way to be able to talk to the company and debt relief is not a

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Scott, do you know between debt consolidation or debt settlement or filing chapter 13, which will hurt your credit the most as you get out of debt?

You have them ordered correctly from best to worst. In other words, in terms of the affect

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Hi- I just signed up with debt XS- is that a good company??

Hello, they are a very large company but unfortunately I have never met with them so I am not able to give an honest opinion. Some of the huge companies are good while sometimes in others you hear about clients who are treated more like a number than a client. I do not know how more ยป

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Do i have to pay for a debt settlement company if they didn’t help at all ?

Typically, yes you must pay for the debt settlement company because

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I am, due to the misconduct of my mortgage co. I am 6 months behind. I need a reputable debt settlement company, ASAP

As everyone has seen in the news lately, mortgage companies have been too aggressive in the past few years and in many cases loaning people more money than

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does a debt consolidation lower my credit score?

Your credit score will suffer some damage with any type of debt relief with the exception of debt consolidation through

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who is The American Debt Free Association in Rockville, MD. and how good are they? Is there any complaints against them?

Hello. I do not know about them. I suggest you you do as much research as possible in choosing a debt relief company: 1. How big are they? (# of employees, # of clients, # of years in business?)

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What have you heard (good/bad) about Federal Debt Relief System

I am sorry, I do not know them. Thanks.

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I am $150K in debt and in a management program. Debt was racked up by husband and now we are splitting up. He is not paying anything towards the debt. it will take 75% of my paycheck every month. what can I do?

It sounds like a sticky issue that may require some legal assistance. Without getting

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i would like to consolidate my credit cards into one monthly payment , is that possible ?

Yes, it is very possible. Both debt management and debt settlement plans offer the benefit of

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Are you familar with Liberty Debt Settlements?

Hello, no I do not know of them. I suggest you continue to do extensive

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is a lease a debt?

Good question. My understanding is that a lease is a contractual obligation to make a payment on an asset you

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Do you know how reputable a company called Lighthouse Credit Foundation is, as far as it being a Debt Consolidation company?

I do not work with them but I have heard of them. Unfortunately

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I have heard that any amount forgiven over $600.00 becomes taxable income for debt settlement and that amount is sent on a 1099 tax form. Is this true?

Yes, debt settlement does have tax consequences that

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If my capital one account has been turned over to a collection agency, is it too late for you to help?

Hello. No, not at all. The banks will often

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Have you heard of or done business with Halo Debt Solutions (I think that’s it) out of Richardson, TX?

I do not know that company, sorry I cannot be of more help.

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do you handle debt of 250K? That is business debt.

Hello. It depends on your situation. If the business debt is

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how do I get my mortgage payment to a lower rate with bad credit?

The mortgage market has become more difficult due to the housing slump. The answer really depends

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Please help me help my friend. She doesn’t use computers. Give me a Chicago debt relief company she can call.

Hello, I do not work with any companies located in Chicago, but

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I have excellent credit but my income has decreased. My credit cards are a burden. Can I protect my credit score and drastically reduce my debt payments?

Unfortunately, there is no way to drastically reduce your debt payments without

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