Forget those debt settlement companies. Many are pure scams. They take your money and let all our bills go 90+ days past due. Then they offer lowball settlements — some never do anything. Not only does this trash your credit, but most credit card companies refuse to play and will immediately sue [...] [...more]
Two kinds of people aren’t afraid of being sued and that’s the really rich and the really poor. Why? because the rich can get out of it and the poor have no money to pay. So what are you worried about? Are you worried about the collectors harrassing you? They [...] [...more]
Dear So Cal, 1) You need to go to your local California Department of Social Services to determine what programs you qualify for. I know you are eligible for food stamps, medi-cal, low cost housing and relief from utility bill costs. I do not know even half of the programs [...] [...more]
No, they are decieving you. you can contact all of your creditors yourself and make agreements with them. They are just ripping you off. do a bit more research and you will find plenty of places that offer free debt advice Good luck my friend.I am in the same boat…15k in debts. I didn’t bother [...] [...more]
There ARE scams out there. I have used Consumer Credit Counseling Services and highly recommend them. It’s a program so you’ve got to be willing to work with them so they can work with you. It’s not going to be easy but will work to get you out of debt. The rip-offs are the plans [...] [...more]
This would be a crazy amount of debt to shoulder for either of these degrees. I assume you are combining a very high undergraduate debt with the debt from a master's program, because very few schools in the country would charge that much for a master's degree. Most undergrads owe around $20,000 after [...] [...more]
If your unsecured debt is over $5000 you would be better off with a Debt Settlement than credit counseling. Your debt could be reduced 50-60% ,payments would be drastically reduced, and you would be out of debt in less than two years. Email me to begin to break out of your credit Prison Cell. More information [...] [...more]
Most create a payment plan that looks worse than filing a bankruptcy in the long run. They'll ask you to stop paying for 3 years, the point where creditors are likely to accept anything. Then, the forgiveness of debt actually gives you a 1099 as if it were income. More taxes there! Try [...] [...more]
Consumer Credit Counseling of America is the best firm out there. They are very good, and they don’t charge an up-front fee. If you are asked for one, remember that it is ILLEGAL to do that–a reputable firm will not request that you pay $1000s of dollars to REDUCE your debt. There are CCC’s in [...] [...more]
