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Reliable debt settlement information

US $2,500.00

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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.

How can Prepaid Legal Services help with credit debt settlement?
I have a total of about 36000 $ in credit card debts. Do anyone have an idea how to settle the debt for at least 10 20 % of what owe?

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?

Will debt settlements damage your credit?

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

Im trying to get into a debt settlement,, a coll. agency has 1 card,, can a program help me?
a company has told me they cant help me because the collection agency is in the same state as me,,, and another has told me they can help

I need help finding a reputable debt settlement company?
I really feel like this is my only option but I don't know who to trust..if you have used a debt settlement company and it was a good experience please let me know

Debt collectors and debt settlement?
I have one credit card account that I was unable to make payments on do to a lag in employment years ago. I know for a fact that I haven't used this card in well over 6 years. More than once I tried to negotiate a payment plan so that I could start repaying and each time they would hear nothing less than half balance up front and then high monthly after. I told them I obviously can't afford that or I would have sent it already and that I could only send them what I had to offer $100 $150 a month . So, they refused and I hadn't heard from them in years. Seems the debt was sold to a new company and they are starting the same thing again. Pay half off now. Is it even worth trying to work with these people again or should I contact the CCC?? It's roughly $5900 total. I need to know what my options are. I contacted CreditSolutions and they told me the amount was too small for them to take on. ??? It doesn't seem small to me. Any suggestions advice would be greatly appreciated. Thanks.

Can anyone recommend a good non profit debt settlement company?

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.

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?

HELP! Debt Settlement?
Hi, just a few questions to anyone who knows anything about debt settlement. Please answer seriously. Thanks in advance My husband and I racked up a lot of credit card debt. I would say around $30,000 to $40,000. It got to the point where we couldn't make our minimum payments. What can I say? We were pretty stupid Anyways, we started with Care One Debt Consolidation. They wanted a payment of $800 month. This was a lot for us on top of our other bills car payments, insurance, etc. but not too bad because we were not married yet and still living at home with my mom I just turned 20 by the way. In March of this year, we got married and I got a better job so that we could afford to move out just barely afford to move out. Now, with rent and electricity and everything else, we can't make the huge $800 payment for the debt consolidation. My husband he is 26 just got his hours cut back due to the winter and the struggling economy.We missed last months payment and called Care One back to see what we could do. They recommended Persels and Associates, LLC to us supposedly through Care One as well. They took down our salaries and then subtracted everything that we have to pay every month.Turns out that we can pay $240 a month now. They said that this goes into an escrow account and they negotiate with the creditors to settle. They said that this will take 4 years.Before, I was paying the $800 per month and they said that would also take four years....So I guess if my math is correct, then I will be paying out $11,520 with Percel and Associates as oppossed to $38,400 with the debt consolidation plan.I know it will effect my husbands credit, but how bad?Is this the same as bankruptcy?I know that they take fees out of your money....that is okay with me as long as it all works out in the end. We can't make the payments now, so I guess it's no different????Anyone heard of this Persels and Associates, LLC?I heard that you can get sued by the credit card companies.....is this true?Anything else you can tell me? I need some much needed advice.Credit is a big deal I know, but my husband is still young we are not planning on buying a house anytime soon or getting any more credit cards with large balances. We now have $560 extra dollars per month that we can put towards savings, paying down our cars, etc.What are your thoughts? Thank you so much for listening. I am so confused and need some major insight.

Should i send a debt validation letter to the collection agency or a letter claiming that I want a settlement?
Im confused as to what I should do. I owe citibank 5900 and a collection company keeps calling me. I know the debt is valid to citibank and have already told the collection agency I can pay them monthly but they are saying that they will sue me before that and I need to pay the entire amount.Of course I won't send any money without anything in writing because they have not sent me even one letter and i asked them for a statement from them and they laughed at me.So should i go ahead and send a certified letter claiming that I want them to verify that I owe them the debt or should i send a letter saying that I want a settlement and to have a payment plan so that I can stop them from pursuing legal action?also does anyone have a good template for sending them a letter like this?

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.