Debt Relief help?

I have 2 credit cards and a loan that I really need help consolidating and getting the payments down along with the interest. Is there any help out that that is nonprofit that can help you with this? Any advice is appreciated. Thanks.

How can i remove my name from my moms mortgage? She will not refinance unless she gets a 3% interest.?

I’m trying to get a loan myself but my debt to income ratio is to high because of my mom’s mortgage. Is there a way to get out of it without refinancing? What legal action can i take?

How do I find a reputable debt settlement company?

I get tons of email from these companies, but how do I know which ones are the best? I’m not looking to get out of what I owe, but I need help getting back on track after being laid off for a few months and I’d like to get the creditors off my back. Any ideas?

How do I determine if my debt settlement is working?

A few month’s ago, I started working with National Debt Relief to settle 2 credit cards….1 with Discover and one with Citibank.

I have had no issues until the other day, when someone from Citi called me to say they don’t work with debt settlement companies.

So, I have my debt settlement company telling me "don’t listen to the creditors, they are just trying to scare you", and then I have Citi telling me "don’t listen to the debt settlement company because they take your money and never pay us…a law was passed last year that we no longer work with debt settlement"

When I first enrolled into the settlement program, they said they did work with both banks, I had to provide my statements and they seem completely legit. I have a certain amount of money automatically being deposted into a trust account with the settlement company uses to pay off attorney fees and my creditors over a specific period of time.

How do I determine who is telling me the truth, and if my debt settlement isn’t working, what do I do with Citi? They did send me a letter asking me to settle…so what’s the difference if I settle through debt relief vs. settling directly through me?
If it helps, Discover has contacted me and is aware that I’m working with debt settlement and seemed more than okay with that. and they both sent me letters to settle for less than what i owe. it isn’t very much debt at all….just what I couldn’t pay off from my old lifestyle, after I had to move across the country and take a job making much less than i had before.

Do you have mortgage refinance problem?

I have bad credit , whaty to do for get refinance loan for mortgage ….

TIPS on How to Negotiate a Settlement from Debt Collector?

I received a court summons a couple days ago and I’m in the process of negotiating a settlement for a 00 debt. Any tips or negotiating tactics helpful during this process would be super helpful. I’m a college student and I’m trying to pay the least amount possible as I’m obviously broke.

Thanks for any help!

Where can I go to get a personal loan?

I am looking for somewhere that will give me a personal loan to get rid of my credit cards. I’ve already been to several banks and I’m not trying to do anything that’s going to ruin my credit like the debt relief places I’ve seen. I have good credit and always pay on time but can’t seem to get a loan because I own too much money.

Can a person refinance a home equity loan, as opposed to a refinancing a mortgage? ?

A couple of years ago, my spouse and I doubled the size of our home which we had owned "free and clear." To do so, we took out a 20 year home equity loan for 0,000 at a rate of 5.85%. Since we already owned the home and this was technically not a mortgage, there was no downpayment on this loan. With rates coming down, do we have any hope of refinancing our home equity loan? Or, is refinancing basically restricted to mortgages? Thanks.

How can I start a Debt Settlement Business BY Showing Clients How to do The Settlement Themselves?

Do you know any non-profit or other types of organizations that offer debt settlement service?

I am looking for a reliable organization to settle my debt once and for all. Can anyone give me kind suggestions? Thank very very much in advacne