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Archive for August, 2007

is there a number i can call to get some assistance

Yes, I can refer you to someone if you can provide me with the information found on the site at the top of each page. This information allows me to know which debt relief company might be able to assist you. Thanks.

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If a debt is settled, would the amount of savings be considered taxable income?

I am not a tax professional however, my understanding is that the

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My husband is active Duty Military. He got us out of debt before he deployed, and Yes I put us back in debt. sadly I have waited to long to get us out of this mess before he returns by the end of October this year. Is it possible to help me with my debt problems?

Sorry to hear about your situation. I don’t know enough about

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I submitted all pertinent info to program yesterday & agreed to mo. pmts. I now feel unable to go forward. Can I decline offer after agreeing to it. Have sent no $ yet. Thx..

You need to speak with the coimpany you signed up with. It really depends on them. I suggest you call them soon. Thanks.

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hi, i am on disability and i spoke with a rep from a firm you recommended and he advised me to simply close the acccounts and stop paying them. is this a real option? he says i don’t have enough for debt settlement even if i wanted to. i do not like the idea of just blowing these companies off but i can’t afford to pay them either. i am confused, should i try or just cry mercy and give up? he said they can’t sue me because i am on ss disability, is this true? any advice would be appreciated thanks

Sorry to hear about your situation. I suggest that you speak to a

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i looked at one company and very little is put into your account for almost 1 1/2 years because they take almost everything for their fees first. is this normal? for example the first month you send $335.00 to them but only $80.00 goes to your account. at this rate you will take forever to even pay off one bill. after 16 months you finally get to keep most of what you put in. is this usual practice? i could understand maybe a third but 2/3 or more seems excessive. is this how debt settlement companies get paid?

The payout structure that a debt settlement company charges vary greatly from

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is American Financial Service a good company?

Hello. I do not know anything about this company.

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How can I be certain that I won’t end up in greater trouble by using a debt solution company?

Actually, like everything in life, there are no guarantees. Debt solutions have varying

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what is a third party debt settlement trust account? I’m so afraid getting ripped off by these companies, Will they be able to get into my acct? And could they go after my husband for my debt?

A third party trust account is like a bank account a debt settlement company sets up for you. It is

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what kind of questions should i ask these debt relief companies, to really find out if they are an honest company?

This is a good question and a hard one to answer. When you speak to a debt relief company, you should

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i’m wondering if you actually do comparative debt company ratings or are you recommending companies…It seems that you may be the advocate for 1 company!? How can I know?

Hello.I refer one of several debt relief companies to each person who requests my help

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Is this company a member of the Better Business Bureau? I have searched and have been unable to locate any information that they are

The companies I refer people to are sometimes members of

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Do all credit card accounts get closed after working with a debt settlement company? (Which would also reflect badly on a credit report. Right?)

Yes, while working with a settlement company you will not

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Do debt relief companies arrange monthly payments? It sounds like the settled amount is due at once.

Yes, they do set you up on a monthly payment plan no matter if

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How much do debt settlement companies typically charge for their services?

Typically the amount is 15% of your debt that gets accepted into the negotiation program is

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In the state of ohio are there changing laws that state that you must go through a law firm to do a debt settlement. I heard if this is not in place it will be soon.

At the time of this writing, there are no specific federal laws to handle the regulations of debt settlement and negotiation although that could be changing soon. Debt settlement laws vary greatly state by state and change regularly as states enact new measures to try and protect their residents from dishonest companies. In some cases more ยป

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can you really hire somone to repair your credit after debt setttlement

There are credit repair companies and some debt settlement companies can assist you in

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I need to find out about a company called F.I.R.E in Florida. They seem to be on the up and up but I wanted to get a second opinion on their company by a non-biased person. Thanks

I have heard of that company but it is not one I am very familiar with so unfortunately, I am not going to be of much assistance. Sorry about that.

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Do you know how low a credit score goes down from good after the debt settlement procedure is put into place?

The negative effects of debt settlement on your credit score are severe and

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i terminated service with another debt company because they were late on payments. Can i apply with another company?

In general yes but a real answer really depends on your situation, the type of

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