I owe a substanstial amount on credit cards 30K which I can no longer make payment. There is this debt settlement company that says they will settle my account for %45 there fees included? It will be in a 3 year payment plan. Is this all some sort of a scam? Has anyone had [...]

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www.DebtWorkoutCoach.org I got a question from a student, “I have a contract with a debt settlement company and a company to do my loan modification. Should I cancel those contracts and do it all myself?”

I am in Ohio and do not want to file chapter 13. Looking to make settlement to credit cards. I am looking for reputation companies that do credit card settlement. What do these companies charge. 50,000 in credit card debt at 23% apr.
Do not want to go to consumer counseling, we [...]

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www.howtosettledebt.org How to avoid a debt settlement company scam. How to avoid a fly-by-night company that will take your money and run. There are legit, legal debt settlement companies.