Archive for March, 2008

i have contacted freedom debt relief and since it’s my first experience with a debt settlement company, i am afraid that they will rip me off, my collectors will garnish my wages, etc. how do i know for sure that the company will do what it says, take my money, stop collections, etc

Hello. This is a common question and the reason why I offer assistance to people by

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I have approximately $102,000 of unsecured debt, I am approaching 4 months past due, I need help but dont want to have to pay someone 16% for doing it, please help

Hello, I am sorry to hear about your situation and I wish I had a magic answer for you. Unfortunately, there

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yes i asked you a question last week about anything you know about bud hibbs and if he was good at what he does. i have never seen it on here the answer that is. please post i need some info asap. thanks so much

Hello, sorry I missed your original question. From what I know Bud Hibbs is a

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I have been paying around $1,000/month with almost 20% APR. Then they put me in a program where I am paying $661.00/month with 2% APR. My problem is that I could no longer pay that amount and I would like to know what will happen after I stop paying? They told me they would put me back to the 20% APR and if I still do not pay, they would give my account to a collection agency. I know this will affect my credit score, but since I could no longer pay $661.00/month, what can I do before or after they give my account to a collection agency? I need an advice on what to do?

Unfortunately, if you already reduced your payment from $1000 to $661 and still cannot keep

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If the debt company holds your money and does not negotiate until funds accumulate what is stopping the creditors or collectors from taking legal action against you? How long is a creditor / collector going to go without getting paid before you end up in court ?

That risk always exists however, going to court is a costly and arduous process for the

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We have about $50,000 of credit card debts. We are current on all payments but have no money for anything else. We have to buy gas and groceries on credit cards which only, of course, gets us deeper in debt. What would you advise us to do?

I am sorry to hear about your situation, unfortunately it is becoming increasingly

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I have entered into an agreement with a company called State Capital Financial but have not paid out a payment to them yet. It is due to come out next week. I have over $29,000 unsecured debt I am pursuing to get taken care of in the program and want to make sure that this is a good course of action. I had used Consumer Credit in the past and it took me 4 years to pay off $7500 in debt. I lost a job in 2005 and did not find a new job till 2006. Though I have had steady employment since last year and have some really big payments I have eaked by and maintained an okay credit rating. I am worried about this impacting so negatively on my credit that I will be in a worse situation and be in a position of garnishment and judgement. I need to get into some kind of program as my payments are over $800/month and I am struggling to pay that. I have thought I should go back with using CCCS, but can never get anyone on the phone. Please advise. I don’t hav e any savings to speak of or a house that I could get a HELOC on to do debt consolidation.

Hello, if you decide to pursue debt settlement all the risks you mentioned are valid. With debt settlement your

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I filled out the request area and got a phone call but no free report. When I asked about you, they said they worked with many like you and didn’t know you specifically. Who are you really and where does your check come from?

Hello. The report should have been sent to you. It is possible that it got blocked somewhere along

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