nextvideogamedesigner asked:


There was a commercial on TV about a certain debt settlement agency.
One of the main differences about this company is that it has a cash back program. I think that you receive cash everytime you pay a bill on time (or something like that.)
I tried to get the phone number, but I didn’t get the full number in time.
Does anyone know the phone number or have any information about the comapny?
Thanks.

Website content

Smiley asked:


Does it matter the amount – settled ?

Caffeinated Content

garson m asked:


I have incurred over 100k to keep my business going when times got tough my business now takes care of its own and i break even barely the card payments are killing me even though i am making them regularly i am sick of playing balance transfer and if my business suffers or slows down i am in trouble my question is what do i need to do to settle with card companies and what effect will it have on my business can they put a lien on my business i am sole proprietorship no corporation should i incorporate if i am gonna do debt settlement any feedback woud help thanks.

Caffeinated Content

garson m asked:


I have incurred over 100k to keep my business going when times got tough my business now takes care of its own and i break even barely the card payments are killing me even though i am making them regularly i am sick of playing balance transfer and if my business suffers or slows down i am in trouble my question is what do i need to do to settle with card companies and what effect will it have on my business can they put a lien on my business i am sole proprietorship no corporation should i incorporate if i am gonna do debt settlement any feedback woud help thanks.

Create a video blog

Courtney A asked:


I have had a rough year filled with the birth of my daughter,several surgeries, my work closing abruptly, and my husband leaving me. In this last year, I have used my credit cards to pay for bills, food, gas, baby supplies, basically they were my crutch. As soon as I get them paid off I am cutting them up and never opening one again…..

…In the mean time, I need some help or advice from someone who has had maxed out credit cards before and settled with companies….

I have a maxed out target credit card with a limit of $6,000, and $500 and growing in fines. This is my second time maxing it out, I paid it off in full the first time.

I also have a Discover credit card with $3,000 limit, and $200 in fines.

I haven’t paid on either of these in over 4 months.

When I get my tax return and financial aid check from school, would either of these just accept half of what I owe them if I offered it to them in whole? Would Target just accept $3,000, and consider it good?

I’ve never done this type of thing before, but I have a friend who said that her mom has done it several times, and I’m just thinking it’s something to look into, and debt advice would help.

Thanks..
Target calls me every 3 days or so. They are trying to get me to work out sometype of payment plan, and there’s one that lowers the payments for 6 months, I could afford that, and by that time it will be tax season.

Discover doesn’t have my vurrent phone number, but I’m sure if I gave them small payments of some sort, they can’t turn me over to collections as I would be trying to make payments. Thanks for the advice!

Caffeinated Content – Members-Only Content for WordPress

emilyru23 asked:


In year 2007 July I filed a debt settlement program to settle my credit card debt for 3 creditors. Estimate pay off $425 per month for 30 months. In 2008 I got married and my husband didn’t know anything about my debt, he had a house which he brought it before we got married, he had refinance the house lately, it needs my name on the Deed of Trust under Tennessee Law. I already settle one of the creditor in 40%, but in December I’ve lost my job and I’m also 8 months pregnant now, which is really difficult for me to find a job in today’s economy situation. I just paid off the entire estimate amount recently but since I have not paid the creditor directly they accumulated the interest. All the money in reserve account is only enough to pay off 30%- 35% of the total debt. Is that enough? And what if they turn off my offer? Will they put a lien on the house even my husband brought it before we got married? Is it too late to file bankruptcy? I don’t care about my credit but I can’t let they take any action for the house or my husband; he has nothing to do with this. The two creditors are Chase and Citi. Many thanks!

Create a video blog

Michael asked:


I am over my head in credit card debt and would like to know if I can settle it for lesser amounts than my balances. What are the steps that I need to take in attempt to achieve this? How will my actions will effect my credit score? Thank you

Caffeinated Content

emilyru23 asked:


In year 2007 July I filed a debt settlement program to settle my credit card debt for 3 creditors. Estimate pay off $425 per month for 30 months. In 2008 I got married and my husband didn’t know anything about my debt, he had a house which he brought it before we got married, he had refinance the house lately, it needs my name on the Deed of Trust under Tennessee Law. I already settle one of the creditor in 40%, but in December I’ve lost my job and I’m also 8 months pregnant now, which is really difficult for me to find a job in today’s economy situation. I just paid off the entire estimate amount recently but since I have not paid the creditor directly they accumulated the interest. All the money in reserve account is only enough to pay off 30%- 35% of the total debt. Is that enough? And what if they turn off my offer? Will they put a lien on the house even my husband brought it before we got married? Is it too late to file bankruptcy? I don’t care about my credit but I can’t let they take any action for the house or my husband; he has nothing to do with this. The two creditors are Chase and Citi. Many thanks!

Caffeinated Content – Members-Only Content for WordPress

sfdj66 asked:


she owes 25K on credit cards and unsecured loans. 1 option is Debt management, a higher payment over more time but less credit damage. Another is a settlement, less $ paid off sooner but seriously dinged credit. She still may move once in her life, meaning a lease or purchase. Suggestions?

credit card debt settlement

pendy49 asked:


I was able to negoiate and close CCs and set up other credit cards on low 2-3% interest rate 5 year plan…The bank will not negotiate my other $20K…has anyone ever refused to pay off a credit card & settle with the bank

Caffeinated Content – Members-Only Content for WordPress