what is the difference between debt consolidation and debt settlement? with settlement the credit report is ruined ...is this true? Thanks Carl

Dear members and guests, No winners last week on the $100 weekly offer, but we are looking forward to new winners this week, we understand it isn't easy to write but in this forum we didn't expect our members to post great articles, what we want is simple and friendly post, related to the topic, testimonials would be highly appreciated. Looking forward to more postings from you. Thank you, debt consolidation Care team

My income is insufficient to repay my home loan, i want to go for refinancing but am afraid my creditors will reject me; otherwise there is no other option. What should I do to convince them? Please help. Ritchie

I am not sure what to do. I am 23 and in the army. I recently got married and my wife has various loans which she is claiming bankruptcy for. I however have to pay the student loans for her from what I understand. On top of my two car loans, one credit card and monthly bills i.e. electricity, water etc. Can this program help me? I am negative each month and don't want it to get worse.

Could you tell me who are the most reliable companies from your recommended list? at least 5 maybe...Thank you .........Suzy

what if I decide to back out while the repayment already gets underway? since you offered the tips on how to do it yourself, I might want to go for that, what will happen to my credit? do I have to finish with the repayment ...I need an answer please

Hi, Let me take the time to thank everyone for helping us grow. Now we have over 17,000 customers and the fascinating part? This is just the beginning. Our aim is to help everyone understand the working of US credit system, which undoubtedly includes bankruptcy, credit scores, debt consolidation, credit reports, mortgages, settlements e.t.c.

We are happy to announce Temptress as winner of the $100 for last week's posting in the forum. Well done Temptrss. Kindly let us know your mailing address or your pay pal account so that we could mail you $100 without any delay. debt consolidation care team truly appreciates your contribution as a debt Samaritan in the forums, looking forward to more of your participation. Thank you, Debt Consolidation Care team

I finally got a call from my creditors telling me of my debts amount and that I need to pay up within two months, told him my inability to repay the balance dues as i need to clear my small auto loan balance first, I told him that I will write through their email (with a proposals I had in mind). How long do I need to think and I wanted to request them to rewrite the loan, what if they say no ? kindly help

Being a telemarketer myself, I feel bad the way we try to make sales. The way we intonate the cost, the customer will have a feeling that he is not charged at all. I feel very bad about this. Spanish customers are our big time targets. Not so good in understanding English, we make it a point to play with the language, give him the cushion of warmth: a positive feeling that he need not pay even a single cent for the product. Any more queries about the telemarketing game, please do feel free to email me.