I got many emails regarding debt settlement. Just to let you guys know that sometimes taking that rout is not good. If you owe lets say $20,000 and you settle it for $10,000 if you do not have the money to pay for it up front, its going to take you 2-3 years to pay it off. So your credit is going to be bad for another 10 years because collection accounts are from date of last activity. It is better to file BK and get it over with.

I have a hospital bill that has not been paid for last 4 years what can I do.

Part 2: People just want “way too much” these days. Want to be debt free? Live “way below your means”. I live in a 700 square foot condo with my wife. Yeh…its small…but I OWN IT free and clear. I drive a 15 year old car that I take good care of, is it an unstylish frumpy car? YES, but I OWN IT free and clear. OH yes…by the way…if you can’t afford to have children…DONT HAVE ANY. Life is not always fun, but IT IS REAL and dont expect others to bail you out.

I used to have a lot of problems with debt, but sites like
theinternetcaschow.blogspot,com helped me raise that little bit extra each month.

Ok, how do I start fixing my credit, I recently lost my job and got a repo and a foreclosure plus credit card debt that are already charge off. Now I cant get a job because I have bad credit. help!!!!

where can I buy the forms from?

I owe 10,000 but will dispute the 8,500 I cosigned for a car for my now ex. and the car got repo’d and my ex stuck me with the bill. When she gets her credit report, will it say she owes? Even if I settle for 4,000. Will she end up having to pay me back or will it just me taken off her credit report?? Can I sue her? Is it worth it? Now Im trying to buy a house and have bad credit? My fiancé has too little and no one will cosign for me. Do you have any advice?

I would never suggest going through a debt consolidation, unless it’s the last resort. Reassert your position, sse how much in debt. If upto $10-$15K try getting a new credit card with 0% balance transfer offer. That will help you get rid of interest for a while. But do it only if you are sure that you won’t dig your debt hole even deeper.

If you are looking the best way to improve your credit, check out this site

Here you’ll find the best system to repair your credit

Hope this help,

There are tons of debt consolidation companies but I would go through one of the review websites just to get the basic information about all the different companies available.