I want to start looking into the option of getting professional assistance to get out of debt. I’m not going to mention any numbers, but the debt my wife and I have accrued over the years is … well, staggering.

Anyway, I know some company’s are out to scam people, and I was wondering if their was any way to research various agencies?

I’m not sure of the term I am thinking of, but the types of companies that I am referring to give you an agent, then the agent negotiates deals with your credit lenders to lower interest rates, then they give you a flat fee to pay monthly and an estimated time of paying off your debt.

I already ran adaware and spybot search and destroy. thinking about running them in safe mode. im also getting a http://www.federal-debt-relief-system.net/ popup.

Angular Chelitis

Fundraising for mortgage relief? Paying off debt’s to families or debt’s that cause financial deprivation leading to **** live’s crap job’s and poor mood/attitude’s… Yeah when we stop being e aww jackasses and start looking at ourselves for what’s causing our problem’s it start’s from medical and ultimately end’s at money.

My husband and I are in debt, and have credit cards in collections due to him losing his job. He recently got a job a month and a half ago, and works 7 days a week, I work 2 jobs 1 full time and one part time, we need to know legit ways to earn extra money so we can pay off these credit cards and collectors and be debt free, and stay that way! Please serious answers only! Please help we are serious and want to live debt free!

I currently have over 15K in credit card charges from various cards (4) and they are real bear to get the charges down. I always pay on time and even more than the minimum, but it seems like they never go down. My question is that did anyone here reading this use one of these credit card relief or debt consolidation companies and they were successful? I realize there are some costs with some of them for “fees”, but overall what is the success rate. I can pay this pulling a 401k loan for a complete payoff, but would not rather touch this. Please let me know of any of your success stories or complete failures that you may have had.
Thanks Karl.

I signed up with ABC Debt Relief and they told me that even though they couldn’t tell me to stop making payments, they did recommend that. I have never been late on any C.C. payments. They said that once I stop making payments, the C.C. companies will try to get me to pay throughout the next 6 months or so. But after a while, they will put me in “collections” status and are then ready to negotiate a settlement which they say I can cut down 40% of all my debt. Does this sound too good to be true? Or, am I getting douped into punishing my credit score for the next decade?

I filed for an extension, paid a rough estimate for both fed and state. do I use the 1040 form to file now or do I need another form. 4/15 wiped out my accounts with the estimates. Had 1099 contract labor and 1099 debt relief along w/ W-2′s. The 1099′s killed me. I need to know what forms to fill out to go ahead and get this behind me. have never done this b4

Angular Chelitis

I unfortunately am one of many who has too much credit card debt and due to some past glitches, my interest rates are high. I pay my bills and try to pay as much as I can but can’t seem to put a dent in the load. I keep hearing on radio and TV about these “cut your bills in half” credit card relief plans but I am very skeptical of those plans. Any advice….recommendations?

Gerbil Care

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