clnelson22 asked:


We have some credit cards with high interest rates and we can’t afford to pay more than the minimum payment because the interest is so high.

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mirkatuveri asked:


Can I use form 982 to file insolvent on remainder of credit card debt that I settled eventhough I do not own real property or have a mortgage?

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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.

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Smiley asked:


Does it matter the amount – settled ?

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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.

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clnelson22 asked:


We have some credit cards with high interest rates and we can’t afford to pay more than the minimum payment because the interest is so high.

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Sekaii asked:


if i have settled a $1500 credit card debt directly with the bank for only $454.79, what is the purpose of having me fill out a IRS tax form 1099-c? and how will this negatively or positively affect my taxes and/or credit?

(i owed $1500, they said i could pay $454.79 and i will be forgiven the ramining balance of $1050.. so of course i payed the 454.79 to get out of debt lol..i didnt use a debt elimination company, i got the voucher directly from the bank.)

also, any tips or recommendations you can further give me on this issue? i plan to settle with a few other credit card companies in the same way.

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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

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DF asked:


Is the credit settlement companies the way to go? or is settling with the actual company?

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amusic.mana asked:


I am paying off my cards which are over 5 yrs old, and they’re giving me settlement amnts to pay them off. Most of the balance is late fees, my credit is slowly going up. Am I going to have problems in the future getting credit if they ve seen that even though I paid all my debt, I chose to make a stlmnt amount to close it? Anyone in similar boat?

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