Yes, you need some way to be able to talk to the company and debt relief is not a simple process so you really need to have a conversation with the company to fully understand what your options are. (…)

You have them ordered correctly from best to worst. (…)

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. (…)

Typically, yes you must pay for the debt settlement company because you most likely signed a contract and I would imagine that the contract did not guarantee that they could settle your debts for you. (…)

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 they should which is now causing huge problems for many homeowners. (…)

Your credit score will suffer some damage with any type of debt relief with the exception of debt consolidation through the refinancing of your home equity. (…)

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?)
2. (…)

I am sorry, I do not know them. Thanks.
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It sounds like a sticky issue that may require some legal assistance. (…)

Yes, it is very possible. Both debt management and debt settlement plans offer the benefit of consolidating your credit cards into one monthly payment. (…)

Hello, no I do not know of them. I suggest you continue to do extensive debt relief research and speak to a few companies before deciding which is the best for you. (…)

Good question. (…)

I do not work with them but I have heard of them. Unfortunately I cannot provide you with any additional insight as to their reputation as a debt consolidation company. (…)

Yes, debt settlement does have tax consequences that need to be considered. (…)

Hello. No, not at all. The banks will often turn to debt collection agencies as their first steps in the past due debt collection process. (…)

I do not know that company, sorry I cannot be of more help.
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Hello. It depends on your situation. (…)

The mortgage market has become more difficult due to the housing slump. (…)

Hello, I do not work with any companies located in Chicago, but I do work with companies licensed to work in the state of IL. (…)

Unfortunately, there is no way to drastically reduce your debt payments without drastic measures such as through debt settlement. (…)