Monthly Archive:: November 2008

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Ins and Outs of Debt Settlement Companies

Question Do you have any advice on debt settlement companies? I am involved with one now and I am not sure I made the right decision. Response I personally do not like debt settlement companies and wouldn’t advise anyone to use one.

How Long for a Goodwill Response?

Question I sent 3 of my creditors goodwill letters about 2 months ago. How long does it take for a response? And if nothing happens, what should be my next step? Response Are these accounts paid in full? If not, offer them

Do I still have to pay if the account is not on my credit report?

Reader’s Question Dear Ashley – I wanted to know. I have a big account on my credit report of about 17,000 dollars. It’s from a car I used to have. Is there anything that I can do about that to try to

Negotiate Full Debt Amount or Settlement?

Question I have an unpaid account in collections. But the original creditor is also on my credit report. Which one should I negotiate with to pay and have it removed? Do I negotiate the full amount, or the settlement amount? Response Try

Deal with original creditor or collection agency?

Question I’ve have charge offs on my credit report that are about 3 years old, would it be better to try and fix them with he original creditor or the collection agency ? Response Are they paid? If not, are you looking