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Credit Repair Services (Help please)

Posted on 11/08/2012 6:27:43 PM PST by VastRWCon

Hello Freepers, asking for help from the smartest people I know of. My daughter got into a lot of credit problems, and well dear old dad is trying to help her out. I was wondering if anyone knows of a good reliable credit repair company. I am not so interested as cleaning up her credit as I am in getting all the different bills that she owes into a single monthly payment so that they can all be paid in full. Yes there are a lot.


TOPICS: Miscellaneous
KEYWORDS: credit; repair
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She has bills and also bills from collection agencies and what is confusing is are the collection agencies legit, duplicates from the originator of the bills? I was thinking it would be easier to work with a credit repair service instead of tyring to figure out each bill. Yes there are many. Any advice would be much appreciated. Thanks!
1 posted on 11/08/2012 6:27:47 PM PST by VastRWCon
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To: VastRWCon

Don’t pay them,what is the worst that could happen?


2 posted on 11/08/2012 6:32:12 PM PST by mdittmar
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To: VastRWCon

I think she would be best off contacting the following folks

http://getoutofdebt.org/2604/debt-counselors-of-america-what-i-learned

debt counselors of America has been used by a couple of folks I know. It does more than just charge you money to give you stupid ways to repair your ‘credit’. Your daughter needs help in learning how to handle money not in repairing her credit.

This is a non profit and they do good work


3 posted on 11/08/2012 6:32:27 PM PST by Nifster
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To: VastRWCon

Lexington Law Firm


4 posted on 11/08/2012 6:32:47 PM PST by Dr. Sivana (There is no salvation in politics.)
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To: VastRWCon

I’ve heard a number of times that most of the “credit repair” services are rip-offs.

I seem to recall is something like “Consumer Credit Counseling.” But I’m fairly certain this isn’t a “credit repair service.”

I would strongly advise checking out the web sites of Dave Ramsey and Clark Howard. They may have good information that could help.

Mark


5 posted on 11/08/2012 6:34:22 PM PST by MarkL (Do I really look like a guy with a plan?)
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To: Nifster

Or check out Dave what’s his name. Someone posts his advice on FR.


6 posted on 11/08/2012 6:37:56 PM PST by DallasDeb
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To: mdittmar

If they have defaulted and gone to credit collectors, there’s no sense in paying anyone. Her credit score will be bad for 7 years no matter how much you pay anyone.


7 posted on 11/08/2012 6:38:31 PM PST by Dallas59 (President Robert Gibbs 2009-2011)
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To: VastRWCon

Those credit repair services are crooked and generally strike a deal that benefits them financially, not your daughter. Have her call the creditors and try to make her own deal. Bottom line would be “I’ll pay regularly what I can or I’ll pay you nothing.”


8 posted on 11/08/2012 6:39:06 PM PST by Safetgiver ( Islam makes barbarism look genteel.)
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To: VastRWCon

After seven years, non-Federal debt disappears from her credit report. One strategy is to let the existing debt expire. If she turns over a new leaf, the credit bureau computers should recognize her new financial trend and over time bump up her credit rating.


9 posted on 11/08/2012 6:40:07 PM PST by fso301
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To: VastRWCon

First check with your state government or hers if she is out of state. You need to know which ones they approve. Ohio has some such “laws.”

Second find an attorney. You say there is a lot...well an attorney will help you and her decide if consolidation or bankruptcy is the better choice.

Keep in mind bankruptcy comes in several forms one is payback and the other is write-off. An attorney will help you sift through the options and may be able to stall the debt collectors while you and her are in the process of sorting things out.


10 posted on 11/08/2012 6:40:36 PM PST by EBH (0bama is guilty of willful neglect of duty.)
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To: VastRWCon

I was in the same hole years ago right after graduation from jr college. Then I had to go to university. Credit counseling services are legit, especially for mine but my company was located in canada. They consolidate EVERY bill I owed, and all creditors literally backed off as they had to face this one company. Basically those creditors stopped harassing me as the company sent them cease&desist letters.

Now your main problem is down to this one company, instead of multiple creditors who want to, which is a good thing. This was how I learned to live “off the grid” to avoid being found out by those creditors—to avoid say, more letters or repo guys. Paying cash for apartment with a fake name, making sure the internet,phone bill was attached to the landlord, buying a disposable phone etc. I learned how to live like a spy..Heck, I should write a book about living undetected.


11 posted on 11/08/2012 6:44:02 PM PST by max americana (Make the world a better place by punching a liberal in the face)
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To: VastRWCon

Your first step is to burn the credit cards and make sure she doesn’t combine all of them into one payment and then start building debt again.

You have to quit it Cold Turkey.

I remembver a story of a guy who put all of thebills in a hate and drew as many out each month as he could pay. If he got any crap from a creditor he didn’t put their name in the hat next month.


12 posted on 11/08/2012 6:45:29 PM PST by Venturer
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To: DallasDeb; VastRWCon

That would be Dave Ramsey.

He has a course (I think it costs a couple of hundred bucks) that teaches about money and financial responsibility etc etc.


13 posted on 11/08/2012 6:45:49 PM PST by Nifster
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To: DallasDeb; All

I believe you’re thinking of Dave Ramsey

http://www.daveramsey.com/home/

be wary of credit counseling agencies; many of them are ripoffs, and using one - so i’m told - has the same impact on your credit report as declaring bankruptcy

get the numbers together, and make arrangements with each creditor individually if possible

most reputable firms are happy to help you work out a plan you can stick to, but note: if you say the magic words “bankruptcy lawyer”, they will not talk to you at all


14 posted on 11/08/2012 6:47:56 PM PST by CzarChasm (My opinion. No charge.)
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To: VastRWCon

Renegotiation of the payment terms is essentially chapter 7. She is better off consulting a bankruptcy attorney for advice.

Most of the credit repair services are rip offs. The only way to repair your credit is to pay your bills consistently over time.

Many many stories of people who use those services who only end up with more debt and several years of pain.


15 posted on 11/08/2012 6:49:57 PM PST by driftdiver (I could eat it raw, but why do that when I have a fire.)
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To: VastRWCon

I went through this with my daughter several years ago. I used it as an opportunity to teach some lessons that I had apparently neglected in her formative years. I told her that I would deal with any and all collection agencies and collectors but that she would need to get two jobs and turn over her paychecks to me. I then gave her an allotment that was reasonable to live on and used the rest to pay her bills. Each time I recieved a bill from a collection agent I called them explained the situation and offered them a settlement. Each and every one settled for approx. half what she owed. She had to be present and on speakerphone while I negotiated with her creditors(my rule) and she learned quite a lot about how to deal with people. When one agent swore at me I politely informed him that he was in violation of the fair credit laws and that I would call him again next month and that all future communication with him would be recorded(necessary in the state of NY). Dave Ramsey recommends a similar approach. Be sure to get agreement in writing prior to making payment. At the end of the process she was proud of herself for paying everyone off with her own money. She has had no further debt issues. Good luck.


16 posted on 11/08/2012 6:50:32 PM PST by cdpap
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To: All

Wow, great advice from you Freepers, keep it coming and thanks! I will have her read this thread.

I listen to Dave Ramsey sometimes, completly forgot about him, thanks!

Contacting the creditors and working out a deal, sounds like really good advice too!


17 posted on 11/08/2012 6:50:32 PM PST by VastRWCon (There are no coincidences in politics)
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To: VastRWCon

I have your answer!

I found a place on the web called creditboardsdotcom about 6 years ago when my husband and I got into trouble. If you and your daughter will take the time and read the newbie section and then ask questions, you will be able to rebuild. It will not happen overnight, but if you are committed to credit repair, you will succeed. Do not pay someone to do what you can do for yourself. A credit repair will do the same thing and take just as much time. You will feel a great sense of accomplishment and your daughter will learn to be more responsible with her money and credit.
BTW....after I cleaned mine and my husbands credit, we both have scores in the low 700’s and many credit cards and low car payments, and we bought a new house in 2011!
Good Luck, you CAN do it!


18 posted on 11/08/2012 6:51:37 PM PST by astratt7 (obama,muslim,politics)
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To: Dallas59; mdittmar

Its generally easy to get a loan after bankruptcy. They know they have at least 7 years to get their money out of you because you can’t do it again.

The only people you can pay to improve your credit is the creditors.


19 posted on 11/08/2012 6:52:30 PM PST by driftdiver (I could eat it raw, but why do that when I have a fire.)
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To: VastRWCon

It’s happened to a lot of people. The credit bureaus, each one, have a wealth of knowledge on the subject on their individual websites. Also, the website of consumer advocate, Clark Howard, www.clarkhoward.com, has a lot of advice and you can ask questions of a professional. if you’re looking to consolidate everything, you have to find someone who can loan you the money. With bad credit, it’s not wise to do that. You end up working with loan sharks. Unfortunately, the only other solution is to do it through an attorney....a form of bankruptcy. If your daughter chooses not to pay anything, they’ll drive her nuts with collections for the next twenty years. The main thing is to get a plan, stick to it, and be patient. I would check out Clark Howard. Sometimes the creditor will entertain an offer just to be able to close the account.


20 posted on 11/08/2012 6:55:57 PM PST by FryingPan101 (Thanks, Mitt and Paul! Honest. Sincere. Patriots.)
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To: VastRWCon

Stop. She needs to pay them, not come up with a gimmick


21 posted on 11/08/2012 6:57:08 PM PST by AppyPappy (If you really want to annoy someone, point out something obvious that they are trying hard to ignore)
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To: All

Note: I am going to help her pay them all off(a month or two if possible), its not the money I am worried about, its getting them all known, balances, and who to pay so that the credit agencies are reported that they are paid in full. Her credit will have to repair the natural way over time.

Again, thank you Freepers sooo much for the replies!!! Please keep them coming as she will be reading this thread.


22 posted on 11/08/2012 7:02:47 PM PST by VastRWCon (There are no coincidences in politics)
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To: VastRWCon

no such thing. If she can’t handle debt responsibly there are 2 tracks. bankruptcy or negotiating a no interest repay. both will impact her credit score, but calling and working out a long term payout will in the long term prove she is a good debt.

collection agencies buy bad debt for pennies.


23 posted on 11/08/2012 7:03:27 PM PST by waynesa98
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To: VastRWCon

Most of the credit repair businesses are NOT reputable and will only make her life even worse.

I would suggest that she consider filing chapter 13 bankruptcy. With chapter 13, her payments are rolled into a single payment and chapter 13 is structured so that she will not only be debt-free in 5 years, but her credit report will not reflect that she declared bankruptcy. This way she gets a fresh start with a clean credit record.

HOWEVER . . . . her credit report will likely still reflect that she had several accounts that were late and sent to collection. I don’t think that the aftermath of chapter 13 will remove that from her credit report until a full seven years have passed. Nonetheless, IMO, this is her best chance to clean up her debts and start fresh.


24 posted on 11/08/2012 7:06:11 PM PST by DustyMoment (Congress - another name for white collar criminals!!)
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To: VastRWCon

it’s called filing for chapter 13 bankruptcy, one simple monthly payment


25 posted on 11/08/2012 7:07:29 PM PST by yldstrk (My heroes have always been cowboys)
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To: VastRWCon

Please consider bankruptcy, consult an atty who does a lot of that work, as it has gotten very complicated.


26 posted on 11/08/2012 7:09:05 PM PST by jocon307
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To: VastRWCon

get her credit report off freecreditreport.com to find out all her creditors


27 posted on 11/08/2012 7:10:55 PM PST by yldstrk (My heroes have always been cowboys)
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To: yldstrk

“it’s called filing for chapter 13 bankruptcy, one simple monthly payment”

Best way. Then let time take care of everything else.


28 posted on 11/08/2012 7:13:59 PM PST by FryingPan101 (Thanks, Mitt and Paul! Honest. Sincere. Patriots.)
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To: VastRWCon
Don't go to a credit counselor, they will consolidate and her credit will be worse..Go to someone who can actually deal with the creditors and challenge what they are accusing her of...One Co. that I know home builders here in AZ use is Go Clean Credit. 500.00 I believe and they will challenge all the claims. It takes about 3 months for them to deal with the creditors, but I know people who have had great success in getting things rescinded or negotiated.
29 posted on 11/08/2012 7:17:45 PM PST by hope
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To: yldstrk

Don’t do anything without going to the Dave Ramsey site.


30 posted on 11/08/2012 7:17:55 PM PST by merry10
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To: VastRWCon

IMO, first thing is to call an attorney. If some of the debt is already in the hands of collection services, she might be advised to discontinue payment of all non-secured bills. I believe in Chapter 7 bills must be 90 days delinquent before the attorney can actually file with the court. Don’t bother paying for anything that she wants to make “good” on. All bills except for a few (student loans and taxes) will be part of the bankruptcy. Once you’ve hired an attorney, give collection callers the attorney name & ph#. Good Luck. Hope she learns that cash is king.


31 posted on 11/08/2012 7:19:01 PM PST by callthemlikeyouseethem (Biden10/19/08: "I probably shouldn't have said all this because.. the press is here")
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To: VastRWCon

Yes. The current collection company that owns or is assigned the debt for collection is allowed on her report with the original creditor of the debt.

So, if she defaulted on a loan with ABC Auto loans and they sold or assigned the debt to XYZ Collections then both can be on her credit report.

I suggest you go to www.creditinfocenter.com and www.creditboards.com for info on cleaning up the reports. Much of it she can do her self. I am not sure paying someone to fix it for you is going to help. Most of the consolidation companies are owned by the very creditors she has.


32 posted on 11/08/2012 7:20:20 PM PST by cableguymn (The founding fathers would be shooting by now..)
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To: VastRWCon

no, stop. being a white knight is never good. I get the desire to help her. The question is how to help her. The issue is enabling. If this is a one off then ok. Sit down and make sure the entire problem is known. It’s time to be father not bank, law not rug.


33 posted on 11/08/2012 7:23:43 PM PST by waynesa98
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To: VastRWCon

Credit repair services are gimmicks and generally not worth the hassle of dealing with them. For the most part, they are owned by junk debt buyers and profit handsomely from providing a minimal amount, if any, real assistance to deal with the problem.

If you are serious about helping her consolidate the debt into a single payment, your only real choice is to go take out a loan and pay off the debts and have her make the loan payment to you each month to ensure that you don’t risk your credit for the sake of hers. Depending on how much damage has been done to her credit, you may be able to co-sign for a loan to consolidate the debts, but in the end, you’re still on the hook for the loan amount. If you take this road, I would gather her bills, call each of the creditors and negotiate a payoff amount - doing so in conjunction with a request for a ‘pay for removal’ may help salvage her credit (offer to pay the balance within 48 hours if they report the debt as paid on time and paid in full).

If you insist upon a firm to assist, I would recommend Lexington. They operate differently from other ‘repair services’ and can find a solution, but it will not be inexpensive nor a cure all.

Good Luck!


34 posted on 11/08/2012 7:25:28 PM PST by RobertClark (Inside every "older" person is a younger person wondering what the hell happened?)
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To: DallasDeb

Dave Ramsey, he has a website and radio show. Love listening to him.


35 posted on 11/08/2012 7:27:39 PM PST by Engedi
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To: VastRWCon

Cut her loose. It’ll take awhile but it can be resolved if you just let her face the music


36 posted on 11/08/2012 7:28:42 PM PST by Figment
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To: VastRWCon

Although I’ve never needed one everything I’ve read strongly suggests that those outfits are,at best,useless...or worse.If things are that bad bankruptcy may be the answer.And then hope she learns a valuable lesson.


37 posted on 11/08/2012 7:36:36 PM PST by Gay State Conservative (Ambassador Stevens Is Dead And The Chevy Volt Is Alive)
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To: VastRWCon

BTW, I’m learning tough love on my kids..It’s hard but, some times they need to do this on their own.


38 posted on 11/08/2012 7:45:21 PM PST by hope
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To: VastRWCon
A few of things to consider:

  1. The mere threat of declaring bankruptcy (as long as that card hasn't been played in the last 10 years) will convince many creditors to settle for as little as 50, 40 or even 35 cents on the dollar. A good line is "I've saved $1000 and can use it either to pay creditors or pay for a bankruptcy filing, which will it be?"

  2. Creditors will tell you that they will file a 1099 on any balance written off and it will be taxable income to you. They can do this. But if your daughter makes little, the 1099 income may mean little.

  3. A straight bankruptcy will not result in a 1099 filing. Decent creditors know this and will often give you a year or even more with 0% interest for making regular payments. In many cases, this is actually better for you than a loan write-down.

  4. VERY IMPORTANT: Insist that the creditor give you any offer you've agreed to in writing first. There are real sleeze-bag operators out there (Bank of America and Chase are two examples) who will tell you anything to get the payment and then conveniently forget or even give an altogether different version of what was agreed.

  5. People can and do snap back from bankruptcy. It isn't as easy as the lawyers will tell you because they love making money doing the filings, but it is possible. You actually get inundated with credit card offers and offers for car loans and such after the bankruptcy is discharged. Burn them unless there is a no fee offer for a reasonable credit card to reestablish credit. Then use it sparingly and pay it off monthly.

  6. Most of the auto loan offers are come-ons to get you into the dealership and sell you something you can't afford-- especially if they give you some code to enter to see how much you qualify to borrow. For the most part, its bullsh*t and useful only in picking dealers NOT to visit. Dealers who do this want to milk a customer who has recently gone though bankruptcy with a high interest 5-6 year loan because they know you can't do it again for 7-10 years. That is why there is such a push to get these offers in your mailbox within the first few months after the discharge.

    Give it at least two years and then go to reputable car dealers, not the ones who sent you the offer and got your name off the public filing. By this time, her credit score will be in the 680-720 range and you will actually get decent rates, maybe 3.5% or 4% from reputable dealers if you make a decent down payment.

    Better yet, if she doesn't need a car, give it well more than two years. Her credit score goes up automatically every few months as she pays off debt.


39 posted on 11/08/2012 7:49:27 PM PST by Vigilanteman (Obama: Fake black man. Fake Messiah. Fake American. How many fakes can you fit in one Zer0?)
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To: Figment

He’s asking for a trustworthy way to help his daughter. He isn’t footing the bill.

Your advice sucks


40 posted on 11/08/2012 7:52:34 PM PST by eyedigress ((zOld storm chaser from the west)/?)
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To: waynesa98

“no, stop. being a white knight is never good. I get the desire to help her. The question is how to help her. The issue is enabling. If this is a one off then ok. Sit down and make sure the entire problem is known. It’s time to be father not bank, law not rug.”

You have no idea how much I agree with you. I have two sisters that got into similar trouble when they were young adults, and my parents rescued them. Long story short, nothing has changed and they are in their 40’s and 50’s. They still expect someone else is going to rescue them, and they try to make everyone in the family feel guilty for not doing so. “what’s going to happen to my kids?”, etc.

This needs to be nipped in the bud. You have to make her go through the pain and pay it off herself, so she can learn from it, or it is going to happen over and over, and you’ll end up having to pick up the pieces your entire life.


41 posted on 11/08/2012 7:56:27 PM PST by RedWhiteBlue (Mama tried)
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To: eyedigress

“He’s asking for a trustworthy way to help his daughter. He isn’t footing the bill.

Your advice sucks”

Yes, he is trying to help his daughter, but he has also stated that he is going to pay off the bills for her. Please read reply #22:

http://www.freerepublic.com/focus/chat/2957306/posts?page=22#22


42 posted on 11/08/2012 8:00:22 PM PST by RedWhiteBlue (Mama tried)
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To: RedWhiteBlue; Figment

I did miss that. Big mistake


43 posted on 11/08/2012 8:02:50 PM PST by eyedigress ((zOld storm chaser from the west)/?)
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To: MarkL

Credit repair companies are like unions.
They represent themselves .
Don’t ignore calls. Pay anything you can afford. No company is going to go broke if you string the payment along , especially large companies and doctors offices.
I have a $3000 doctor bill I’m paying $30 a month. It’s gonna take a while.
Have many other doctor bills paying monthly also.
It’s not revenge for the high bill. Just paying what I can budget.
Most companies are sympathetic to some extent as long as your making effort to pay your debt.

You can also loan your daughter money and only charge interest you lost.
Or no interest knowing you will get paid back sometime. Even deduct for Errons she helps family with.


44 posted on 11/08/2012 8:03:55 PM PST by Morris70
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To: Morris70

Every time you make a payment the 7yr clock starts over.

I do appreciate the fact that your paying your debt. It took me 6 years to pay off old debt from the mid 90’s but I did and felt much better about it.

My credit score went from 630 to 770 after steady progress. I plan to keep it there.


45 posted on 11/08/2012 8:13:54 PM PST by eyedigress ((zOld storm chaser from the west)/?)
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To: VastRWCon

A very close friend of mine is currently using Christian Debit out of Florida (for what it’s worth). He is satisfied with the work they have done, and continue to do.


46 posted on 11/09/2012 3:40:06 AM PST by siamesecats (God closes one door, and opens another, to protect us.)
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To: VastRWCon

OOPS, meant Christian Debt.


47 posted on 11/09/2012 3:40:45 AM PST by siamesecats (God closes one door, and opens another, to protect us.)
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To: Dallas59

You cannot repair the credit. You will suffer the same as if you go bankrupt. At least if you go bankrupt, you wipe out the debt.

Peter Frances Geraci says so.


48 posted on 11/09/2012 3:54:23 AM PST by dforest
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To: eyedigress

I’ll repeat for you dummy. You want to help the kid? Cut her loose and tell her to grow up


49 posted on 11/09/2012 5:34:16 AM PST by Figment
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To: Morris70; VastRWCon

To VastRWCon,I believe this was directed to you from Morris70:

Credit repair companies are like unions.
They represent themselves .
Don’t ignore calls. Pay anything you can afford. No company is going to go broke if you string the payment along , especially large companies and doctors offices.
I have a $3000 doctor bill I’m paying $30 a month. It’s gonna take a while.
Have many other doctor bills paying monthly also.
It’s not revenge for the high bill. Just paying what I can budget.
Most companies are sympathetic to some extent as long as your making effort to pay your debt.

You can also loan your daughter money and only charge interest you lost.
Or no interest knowing you will get paid back sometime. Even deduct for Errons she helps family with.


50 posted on 11/09/2012 6:06:06 AM PST by MarkL (Do I really look like a guy with a plan?)
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