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About dogboy61

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  1. I looked into dept settlement companies both state approved and the others. But with limited funds and 100k on 4 credit cards in debt I am going to do it on my own and hope to settle the debt for 50 cents on the dollar if I can and not have to pay some debt settlement company a huge fee.I have been reading allot of the posts here and they are very helpfull. As of Nov. 2009 I was current on all the cards but now as of Dec. I have stopped paying and the wave of calls have started. I am a little confused when I read. The companies are not going to settle for at least 90 days but I should call th