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I have several judgments with associated liens against my home. I am employed, but have more payments (secured loans with no unsecured loans) than income. I can borrow a few thousand dollars from family. Is there anyone who could negotiate a settlement of the 25K judgment, and have the lien removed?

Typically once you get to tjhis point with leins and judgements, you need legal help from a

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I have been speaking with a debt settlement company that says month 1 – 3 the monthly payment will go towards their fees, months 4 – 16 1/2 the pymnt will go towards their fees. I understand that the money needs to accumulate before a payment can be made. But, is it common that the cc companies would wait months to receive communication regarding the settlement? I’m confused as to how this works. typically would the agency you choose to work with contact the cc companies up front, or do they wait until the funds are in the account and they go for a settlement amount?

Hello. As I discussed yesterday in answering some questions about debt relief, you will

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Problem is a 9 year old with BellSouth. Supposedly BellSouth does not negotiate debts. Now AT&T has taken them over. How can one negotiate a debt effectively? It is such an old debt!

Hello and thanks for the question. There are several parts to your question. First I will say

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Given the fact that several thousands of dollars will first go to their fees (cont…)

…do you really feel this is the smartest thing to do? As opposed to using that money to

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What is Debt Settlement or Debt Negotiation?

Debt negotiation is basically another way to describe debt settlement. The negotiation is typically done by a debt settlement company and entails a process by which they reduce your debt by getting your creditors (the people who you owe the money to) to accept a smaller amount than you actually owe to satisfy your debt obligation more »

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