un4givn Posted April 27, 2007 Report Share Posted April 27, 2007 I am in serious debt i.e 25k plus, I am nott behind on any cards but am totally maxed out credit wise. No savings. I 'm tired of living paycheck to paycheck and just want the debt gone. I've tried cccs but wasn't happy with the program and results. Can anyone recommend the best way to settle or a good settlement company. Link to comment Share on other sites More sharing options...
Southerngirl Posted April 30, 2007 Report Share Posted April 30, 2007 Do you have any money saved to settle? Link to comment Share on other sites More sharing options...
willingtocope Posted April 30, 2007 Report Share Posted April 30, 2007 a good settlement company.An oxymoron. The only difference is that some use vaseline, other's don't.If you're looking to pay them back less than what you borrowed...do a search on "debt fixer" on the board here. Be sure you recognize all the bad news that goes along with that...My suggestion would be to sit down and work out a spreadsheet. Figure out what you need for rent, food, transportation...takes what's left, divide it up according to CC balances. Call your creditors...ask for the hardship department...tell them what you can afford to pay each month. Don't agree to anything until you've talked to all. If they won't agree, then look into filing BK13. The end result is the same, but you'll have the BK court to make them play nice. Link to comment Share on other sites More sharing options...
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