Waiting and Wishing asked:


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!!

Medical Bankruptcy

akanesan31 asked:


I have bad credit and i am trying to improve it so later on down the line i can decide to buy a house. I have at least 7500 dollars in debt but is it safer for my credit to to bankruptcy or a debt settlement?

Pay off Debt

Jimm asked:


How can we attempt Debt Settlement Programs and Debt Management Companies?

Help With Debt

Patrick asked:


I work for a debt settlement company. We are generating leads online, but only operate in a certain number of states. How do I seek out debt settlement companies to buy my leftover leads from the states we do not operate in? We would offer these leads at a discounted price, we just want to generate some income to offset these high advertising costs.

Credit Card Consolidation

Jimm asked:


My Friend Referral me to about the best One Debt Settlement company Services.

Debt Resolution

Ethan R asked:


I **** debt myself and want free of it forever. If I can break free, I am never going back. After reading some of the new credit card rules. I am just tired of paying to keep these (insert derogatory term)’s in business.

Completely Debt Free

Nyx asked:


Is it possible at all? Like if you work at a job, and apply for the FAFSA for grants and work study only? Would I be able to graduate debt free. I’m scared to get loans. Even a small one. My major is graphic and web design.

I don’t need graduate school in my field and I’d be going to a state university for the last 2 years of college. I’m going to a community college first. I’m 26 if that makes any difference. My parents can’t help me because they want to retire comfortably.

Eliminating Credit Card Debt

cleanlife asked:


Should a person that has absolutely no debt, and has no living heirs dies, does the state in which the person resides assume control of their assets? If so, what is the time period in which the state, (specifically North Carolina) must hold the property prior to disposal.

Debt Help

Ava asked:


I’ve incurred a lot of debts that I think declaring bankruptcy is the only way. But I’m having several thoughts about it. Are there any alternatives that will help me get rid of debt?

Avoid Bankruptcy

annalee08 asked:


I have problems regarding my debt and has debt management issues. Is there any way for me to be debt free??

Getting Out of Debt