• What is the best debt settlement for $12,000 and lower debt?

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    Krista F asked:


    I recently switched jobs making significantly less money. Now I am past due with bills and am getting some pretty rude calls from creditors. I want to pay them but am having a hard time. I have been seeing commercials about debt settlement and needed some help deciding who to go through. I have a little less than $12,000 to pay off. Please site sources when you can and THANKS ahead of time!

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  • Is there a debt consolidation company that charges little to nothing to help me with my bills?

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    Talentina asked:


    We really want and need to pay off and eliminate our debt. I’d like to consolidate our bills but I don’t want to have to pay a lot of money to do that. I’ve heard that there are companies that will help for little or nothing. Is this true and if so where can i find these companies?

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  • How do I know if the debt settlement company I’m working with is competent?

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    Bob M asked:


    I’m so worried about getting screwed by an incompetent company. Also, I checked with Debtmerica and they’re trying to charge me a 15% fee to do the debt negotiation. I’ve checked with a few other places too and somebody recommended going with an attorney-based debt settlement company to get better results. Any help would be appreciated.

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