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Has anyone used a debt settlement company?
I have heard horror stories and success stories I was just wondering what other peoples views were on the program.also its the type of company that will help me settle my debt for roughly half of what i owe and should take about 2 yrs

Can anyone recommend a good non profit debt settlement company?


Can any one tell me about credit card debt settlements and are they legit ?


What are the steps (and timeline) for a debt settlement process?
Any pointers? I am trying to do this myself and I need some direction. THANK YOU very much in advance. Thus far, you guys have been so helpful.

How good is debt settlement over debt consolidation? Is it a more reliable method? ?
What I am interested to know is if Debt Settlement really works and if you know of anyone who has been through it.

I know the collection agency of the company that no longer exist do i still contact to make a debt settlement?


Information about debt settlement?
I am considering debt settlement...Obviously the companies I have talked to say it is a good thing but has anyone done this? Is it good or bad? Any help or advice??

Has anyone done debt settlement?
Does it affect your credit score? If so, for how long? What is the truth about the debt settlement companies?

My boy friend is in debt what is his best option debt settlement or declare bankruptcy?
He owes about $12,000 we want to get married when he is debt free. Do you know any reliable settlement companies that are trust worthy? What are the procedures? He is a full time student and has a job he works full time with minimum wage.

Is it morally wrong to do debt settlement?
I see alot of advertisements for debt settlement where a company charges you a fee but then gets your unsecured debts settled for partial of what you would have to pay them off as. Is it morally wrong to default on your cards for three months then have a debt settlement for less than what you would have to pay if you are way, way in over your head?

Target and discover credit card debt settlement.?
I have had a rough year filled with the birth of my daughter,several surgeries, my work closing abruptly, and my husband leaving me. In this last year, I have used my credit cards to pay for bills, food, gas, baby supplies, basically they were my crutch. As soon as I get them paid off I am cutting them up and never opening one again........In the mean time, I need some help or advice from someone who has had maxed out credit cards before and settled with companies....I have a maxed out target credit card with a limit of $6,000, and $500 and growing in fines. This is my second time maxing it out, I paid it off in full the first time.I also have a Discover credit card with $3,000 limit, and $200 in fines.I haven't paid on either of these in over 4 months.When I get my tax return and financial aid check from school, would either of these just accept half of what I owe them if I offered it to them in whole? Would Target just accept $3,000, and consider it good?I've never done this type of thing before, but I have a friend who said that her mom has done it several times, and I'm just thinking it's something to look into, and debt advice would help.Thanks..Target calls me every 3 days or so. They are trying to get me to work out sometype of payment plan, and there's one that lowers the payments for 6 months, I could afford that, and by that time it will be tax season.Discover doesn't have my vurrent phone number, but I'm sure if I gave them small payments of some sort, they can't turn me over to collections as I would be trying to make payments. Thanks for the advice

Debt settlement agencies........?
Is there a debt settlement agency that pay your creditors in full, then you pay the agency instead of the creditors?Thanks.

Debt Elimination Vs. Debt Settlement?
Which is better in your opinion debt elimination methods or debt settlement?debteliminationmethods.com

Im thinking of using DEBT SETTLEMENT, they say whatever $ i save may be taxed by irs, is there a way around it?
on a FAQ page a debt settlement company says the irs can excuse this income, does anybody have any experience or knowledge about this?

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