are there any debt settlement companies that are legitimate?

April 7, 2009 by Information About Bankruptcy  
Filed under Debt Settlement

Can you answer HB’s question about Bankruptcy?:

I have several old debts at least three years old that have been put into collections…haven’t been able to pay on any in years. Looking to pay off but cannot make very high monthly payments so the CCS seems like it wouldn’t work since I have SO many creditors to work with and so little money. The credit counseling pays off the whole balance due which has been greatly increased unecessarily. Looking for some debt reduction and a monthly payment option. Is debt settlement right?

Information On Filing Bankruptcy

What is the best program for consolidating or debt settlement?

March 29, 2009 by Information About Bankruptcy  
Filed under Debt Settlement

Can you answer jen’s question about Bankruptcy?:

I need to consolidate my debts, either by getting a loan (unlikely with my credit) or through a settlement company. I want to use a good one, though, so does anyone have any recommendations? I could easily file bankruptcy with my income and lack of assets, but I would rather pay off the debts. Some of the collections are hostile, now, though, because I have so many different ones after me that I can’t possibly make my payments each month to each of them. This all stems from two hospital trips earlier this year. I don’t even own a credit card, so I’m not financially irresponsible. Just poor and uninsured. Any reccomendations would be very much appreciated!

Personal Bankruptcy Advice

Anyone filed bankruptcy since the laws changed?

Can you answer Nectory S’s question about Bankruptcy?:

I need to file bankruptcy and do not know where to start. I do not have a credit cards. I have past collections I cannot get any of this caught up. What is the cheapest most productive way to file? Do I have to get an attorney ? I want to get rid of my financed car should I purchase my cash car before I file? I live in a rntal home cn I move to another rental after I file? Please advice from people with personal experience.

Alternatives To Bankruptcy