Hello. I discuss debt settlement fees a little here but I do not get into what each company charges for many of the reasons you cite. (…)

Typically most debt settlement companies like a person to have at least $10,000 in unsecured debt to qualify for their program. Some even go as high as $15,000 or $20,000 to qualify. (…)

This is actually what happens when you enter a debt settlement program. (…)

Credit card companies have tricky ways of imposing finance fees. (…)

hello. Unfortunately your mortgage is a secured debt, it is secured by your home and therefore cannot be negotiated. (…)

I do not know of that company, my apologies. Just be sure to talk to a few firms and do your research. (…)

A solution really depends on the type of debt that you have. If not credit card debt then what type of debt is it? Is it another type of unsecured debt or is it a secured loan? (…)

This is a good question that I will take by best shot at but I know the mortgage lending business is undergoing radical changes right now and getting a home loan has gotten MUCH harder in the past few months due to the housing market loan problems. (…)

If you are going to try and settle your debts, you will need a chunk of money available immediately to do so because the settlement will require a fast payoff. (…)

Hello. (…)

Hello. As I discussed yesterday in answering some questions about debt relief, you will pay a portion of your monthly payments as fees to the debt settlement company. (…)

I suggest you speak with a few debt settlement companies but my opinion is that you should be able to include only some of your creditors debts in your settlement process while you continue to make regular payments to the others. (…)

I understand your concern however, I do not think you will find too many companies willing to work with the fee structure as you describe. (…)

Glad to hear your husband is doing better. As far as Freedom Debt Relief is concerned, I often get asked about them and I originally answered the question about that debt help company here. (…)

Hello. Unfortunately, if you are looking to reconsolidate your debt consolidation and add in the payday loan, I do not think that is something too many companies will be able to assist you with. (…)

Hello. This is more of a legal question but my understanding is that the amount the court decides to garnish from your wages is a matter determined by the judge. (…)

Hello, I’m sorry but I have no way of knowing what your original question was, I try to get to all of them but occassionally one or two slip through the cracks. (…)

The settlement process and speed often varies based on an individuals situation. (…)

Creditors are obviously on opposing sides with the debt settlement companies so you need to evaluate what they say based on where they stand in relation to your debt. (…)

Yes, although they cannot help you with your rent, you sound like you need to speak with a credit counseling agency to learn about their debt management programs. (…)