Avoid Mistakes When Seeking Help With Debt. Find The Best, Most Reliable Companies to Get Out of Debt. Learn About Reduction and Consolidation Solutions. Read Report.

I have an elderly couple who are in debt, made by deadbeat children. Will one of these debt relief companies help them. They are on a fixed income.

It really depends on the situation, the fixed income level, and the amount of debt that has been accumulated. The question really is, how bad is the problem? (…)

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I have approx. 45-50k in unsecured debt- I have talked with a several agencies about a debt management vs debt settlement program-I would like to know how both programs will affect my credit report about 12-24 mos. later if all payments are timely-will my credit report reflect that I am in a c.c. program until the program is completed?which program will help you to raise your credit score faster once completed?

Your credit score will typically be damaged more severely with a debt settlement plan than with a debt management plan. (…)

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i owe about 15000 dollars to creditors..ans would like to lower my intrest on them or have one lower monthly payment. I am condisering higering a company to help settle my debt, but i can’t decide if that is the best choice because i am still making my payment within days of the due date. so i pay on timeish, but i am not making a dent paying of the actual money (just intrest), and i can’t afford to pay too much more..what would be the best route for me?

I would suggest you speak with a non-profit credit counseling agency to start and let them give you some ideas as to how to best deal with your situation. (…)

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I just signed up with Campos Chartered Law firm for debt settlement. Are they reputable? because I wanted consolidation and they told me it was consolidation of debt only to find out now it’s settlement.

The use of the word “consolidation” of debt can be very confusing. Consolidation is lumping several debt payments into one but there are several primary ways to accomplish that:

1. (…)

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As we’ve been contemplating this move for a while and are now forced to do something thanks to a major repair to our commuter car, we’d previously contacted both Freedom and Takechargeamerica for information before I found your site. In fact, I was preparing to call them when I found your site. They seem reputable, and the press clips I found seemed okay. Is there a problem with these companies (this stuff is very confusing!).

Glad I can help you choose a debt solution. Freedom is a company I have never worked with but apparently is very large. (…)

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Can I still be helped if credit card debt has been turned over to a Law Firm or Collection Agency?

Hello. Unfortunately, the answer is not very cut and dry. You can always be helped but it is a question of the type of help you choose. (…)

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