Good question. (…)

Hello, this is a choice that only you can really make. It depends on what you are the most comfortable with and what your personal plans are for the next 10 years. (…)

Hello, while I am not familiar with the company you talk about, the process you describe is pretty typical for debt settlement. In debt settlement typically:
1. (…)

Hello, at this point I think you should find an attorney to assist you as it sounds like your situation has gone beyond the capabilities of a standard debt relief company. I wish you the best. (…)

Typically any auto loan a bank gives you is secured by the car itself and therefore the car can be repossessed by the bank if you are unable to pay the monthly payments on the loans. (…)

Hello. Unfortunately I am not familiar with any companies in the Seattle area. That does not mean they don’t exist but I do not know them. Sorry about that.
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Hello, I am sorry but I am not familiar with this company. There are so many out there so be sure to do your research.
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If you enter a debt settlement procedure, you will not be advised to apply for any credit during the process. (…)

Hello. I understand what you are saying. (…)

Hello. (…)

Sounds like there are 2 issues, one is dealing with your former partner and deciding if you should take legal action against him and for that you obviously should talk to the police and a lawyer. (…)

Hello. This is a situation with a secured debt so if you are unable to make up the payments you owe, the only thing I can say is that you must consider selling the car to pay off the car loan. (…)

Unfortunately, she has no recourse as far as I know. Contractually she is supposed to pay them the balance plus the fees and interest resulting from the use of the card. (…)