Debt Negotiation Questions & Advice

I managed to settle a $35,000 debt for $20,000. Do I need to file a form 1099c? And if I do, when? Thanks.

If I settle my debt faster rather than slower will I get a better settlement payment?

What if I don't want to or can't afford to pay the original debt amount? Can it be lowered?

Are there any tax implications of debt settlement? If so what are they?

I heard there are types of debt restructuring. What are they and how do I choose between them?

Should I pay multiple debts off or one at a time?

If I am in credit debt should I close my account so that I avoid more interest and late charges?

What types of letters can be written in response to debt settlement offers?

A lawsuit has been filed even though I agreed to a DIY debt settlement plan. Is this legal? How can I avoid court?

What is a way can I avoid paying more money than my debt is worth?

I'm considering a debt settlement plan. What are some typical payments I should target?

Which is worse for your credit report and future loans debt settlement or debt charge-off?

What is the best way to pay off debts and save money?

If a creditor asks me for personal or unrelated information does it help or am I obligated to tell them?

I've heard of something called a Validation Letter. What is it and when should I ask for one?

Does a Debt Settlement have any effect on my credit score? Does a debt charge-off?

If I respond to a debt collection agency does this start the Statue of Limitations all over again?

If I respond to a debt collection agency does this start the Statute of Limitations all over again?

Can I settle my debt with multiple creditors?

Can debt relief services affect your credit if you use them to lower your interest rate?

Is debt settlement a good option or is it just a ripoff?

I’ve heard a lot of things about debt settlement. Some people swear by it when you can’t pay your debts, other people say it’s a scam and neve...

My income fell significantly. What kind of tax debt relief is available for me?

Please help. I’m self employed, and last year, what with the recession, my income fell by almost 70%--my typical clients just weren’t spending m...

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