Debt Settlement in Florida. Protecting the Consumer

We all have heard it before; debt settlement is a nice solution for those who have debt problems.

There are aspects about debt settlement in Florida that need to be mentioned, so people can have a better understanding as to how debt settlement in Florida works, and if they think this method can help their specific [...]

Is it safe to rely on Debt Settlement Program to free from one’s credit card debts? How about credit score?

I recently heard on radio about a debt free program. They officially negotiate on your behalf with the credit card companies. What may be the Cons? Is it safe to rely on Debt Settlement Program to free from one’s credit card debts? How may it affect one’s credit score?

Worked with a debt settlement company, but now have the $ to pay full amount. Which is better?

Several years ago, I was under-employed and drowning in credit card debt. I chose to go the debt settlement route. I was never comfortable with the process. Recently, I have come into a sum of money which can eliminate that full amount of debt with no settlements. Since my credit score [...]

I received a letter from a collection agency but I think there might be a mistake. What should I do?

It was sent from the Commercial Collection Service, Inc. in Santa Rose, CA. Apparently I owe $66.50 to something but I’m not exactly sure what it is. All it says in the description is: “Unbelievable.”
I tried calling them but no one answered. All I received was an automated message telling me to leave my contact [...]

I would like to negotiate debt settlements and get them to show paid as agreed, is there an agency that can?

I have heard that it can be done as part of the settlement, I just haven’t had any luck finding any company that will negotiate the change in report status as part of the agreement. I am more concerned with my credit score right now. I am very close to qualifying for a mortgage and [...]

Why do we have so many commercials about debt consolidation?

Don’t they know that Americans could give a damn less about some credit right now. We have bigger issues like if we have enough food in our refrigerator? The last thing I’m worried about is taking care of debt written off to a collection agency that is not going to help improve my credit score [...]