If You Need Credit Card Debt Help, I Provide Free Information on How to Get Out of Debt and I Can Suggest a Reliable Debt Settlement or Debt Management Company that I Know You Can Trust.

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 simple process so you really need to have a conversation with the company to fully understand what your options are…

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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…

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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…

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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 you most likely signed a contract and I would imagine that the contract did not guarantee that they could settle your debts for you…

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

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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 the refinancing of your home equity…

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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…

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

I am sorry, I do not know them…

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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…

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

Yes, it is very possible…

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Are you familar with Liberty Debt Settlements?

Hello, no I do not know of them…

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is a lease a debt?

Good question…

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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…

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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 need to be considered…

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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…

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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…

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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…

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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 I do work with companies licensed to work in the state of IL…

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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 drastic measures such as through debt settlement…

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