How do you know which debt settlement or debt consolidation program to choose, when theirs 1000's out there?
How do you know which program is good and which one is right for you. I heard their is a way to check there beruo report or something, not sure what its called. How can you see the results and reputation of the debt settlement program or debt consolidation program.

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A credit counselor discusses what debt settlement is and how it can help or hurt you.

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Will debt settlement ruin my chances at getting a new job?
I am going to go through a debt settlement with my significant other as an alternative to bankruptcy. We're both young, and planning on advancing in our careers. Would a debt settlement work against our odds of landing the perfect job, even if we are the most qualified??

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Straight talk about debt settlement from a highly experienced industry executive.

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Debt settlement?
I was talking to a friend of mine this morning and he was telling me he was going to do debt settlement even though he still had the ability to pay his bills. He said he would get the settlement company to get his balances on credit cards and unsecured debt cut by 40% or more, then make a lump sum payment right away and his debt would be cleared with almost no negative effect on his credit. He said usually what happens is you take from 1 to 3 years to pay off the amount and in that time it reflects poorly on your credit, but as soon as you pay it off it is as if it never happened. Is this true? If so, why doesn't everyone do this? It sounds like he is a little mis-informed? Or is it true?

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Debt settlement is an extreme solution suitable for serious debt issues. Learn how it works in this debt settlement video with Brad Stroh of www.bills.com Debt settlement is the process of negotiating with creditors to accept about half of the total debt you owe. In order to qualify, you must be delinquent on your payments and will probably face aggressive collection attempts. This solution is only appropriate for serious debts with no other solutions. If choose this option, look for a …

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Debt Settlement?
I've been in a credit counselling service for one year now and I am saving money on the side.
I've been recently offered a settelment on a sizeable debt I have. It's 60% what I owe the company but it's through a collection agency.
I know that by taking the settlement, the balance will go on my income at tax time, but I figure that the taxes I'll pay on it will be a lot less than what I would pay if I continue with the payment plan I have been using.
Are there any negatives to taking such a settlement? Can I ask that they consider that I paid it in full on my credit report?
If I can manage the three payments, why shouldn't I take the offer?
Sorry, I meant 60% OFF what I owe!!

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www.CreditCardReliefFormula.org What happens if a credit card company sues you during debt settlement? It is easy to settle your own debts often for a dime or two on the dollar. Creditors do not often sue you. But if they do, here’s what can happen…and you will be absolutely shocked.

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How do you know which debt settlement or debt consolidation program to choose, when theirs 1000's out there?
How do you know which program is good and which one is right for you. I heard their is a way to check there beruo report or something, not sure what its called. How can you see the results and reputation of the debt settlement program or debt consolidation program.

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Attorneys general from Illinois to West Virginia have become serious about combating abusive practices within the debt settlement industry. In New York state, Attorney General Cuomo recently announced that the state has secured subpoenas against 14 national debt settlement companies. At the same time, the Consumer Credit and Debt Protection Act was introduced in the US House of Representatives in an effort to reign in the industry. Join Thomas Fox, Cambridge Credit Counselings Community …

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What does debt relief companies do for you?
How do they proper? Is what they do legal and does it really stop collection calls? What if a person is already in a payment program where they have access to your checking account and you turn your debts over to a debt relief company? What is the procedures. Is using a debt relief really worth it to get out of debt?

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Legally Reduce your Credit Cards

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How do debt relief companies advertised on Hannity, Limbaugh and Levin work?
My 21 year old son wants to buy a home theater system using a Visa card and he has no intention of paying it back. He's says that it's OK because debt relief companies that advertise on shows like Hannity and Rush will fix it for you. It seems to me that someone has to pay for it in the end, but I know that Rush and Hannity would never advocate anything unethical.

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Congress says that with no way to actually pay back our debts, faking a coup to eliminate financial obligations is the best plan for the US economy.

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What are the pros and cons of using debt relief agencies to get rid of debt? What does it do to your credit?
Those debt relief agencies that help you get rid of debt fast tell you to stop paying your bills and instead you pay them. They then use the money you send them to negotiate lower payoffs to your lenders. What are the pros and cons of doing this and how long will it effect my credit score for? Any experience is extrememly welcomed!

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Consolidate credit card debt by taking out a personal loan or doing a credit card balance transfer. Consolidate credit card debt with tips from a consumer credit counselor in this free video on personal finance management. Expert: Maria Enomoto Contact: www.gotdebt.org Bio: Maria Enomoto works as a credit counselor for Consumer Credit Counseling services in San Jose, California. Filmmaker: Bing Hu

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Debt relief?
I am buried in debt and need to file 13, or 7, or do something. I am not really sure whats out there. Can you present the current optionsand explain them with their pros and cons.

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In our recent webisodes, weve discussed the negative effects that debt settlement services can have on your credit. In this episode, were going to focus on how you can select a reputable organization to help you manage your debt, and satisfy your creditors expectations. Join Christopher Viale, Cambridge Credit Counseling’s President and CEO, as he discusses finding legitimate debt relief.

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Is foreclosure debt relief still taxed or not?
Recently, there was talk that the IRS was changing its rules so that debt relief experienced by persons who lost their homes to foreclosure would no longer be taxed. What's the status on this rule change?

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Contact financial companies to work out a payment plan when attempting to consolidate business debt. Learn more about consolidating business debt with tips from a consumer credit counselor in this free video on business finance management. Expert: Maria Enomoto Contact: www.gotdebt.org Bio: Maria Enomoto works as a credit counselor for Consumer Credit Counseling services in San Jose, California. Filmmaker: Bing Hu

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