Debt Negotiation Advice

What is a good debt consolidation companythat will negotiate your debts down and then give you a loan? ? Negotiate with the creditors to reduce the debt that you own initially so you aren't taking such a HUGE loan with them? Can any company function in this way to help the consumer?

I would like to negotiate debt settlements and get them to show paid as agreed, is there an agency that can? I have heard that it can be done as part of the settlement, I just haven't had any luck finding any company that will negotiate the change in report status as part of the agreement. I am more concerned with my credit score right now. I am very close to qualifying for a mortgage and this would put me over the top.

Is there any way you can negotiate w/a creditor to lower the amount of debt owe? DESP Seeking Suggestions!!? I have numerous debts owed to several different creditors from 4 years ago. Today is the day I am going to contact two of the creditors to discuss paying my debt owed (I am on my way to becoming debt free and rebuilding my credit!) Is there anything I could say or do to negotiate the debt I owe? I owe Verizon $1100 and Victorias Secret $591. Also, what do I say or how do I go about making sure the "bad marks" are taken off my credit history? I desp need help! 10 points best answer thank you!

How can I negotiate my IRS debts?

how to negotiate my debt with the collector? I really wanted to negotiate my debt with collector. Before it went over to the collector, the bank offered me 5000(which was about 55% of total 9000 debt). I wish i could have paid back then but i could not afford at all. Now the collector said it is about 16000 with interest and don't want to negotiate under 13000 and sent me a warning letter through a law firm. at this moment, i have no way to pay that huge amount. i really want to negotiate but i don't know how. Does anyone know any advice or any professional that can handle this matter so that i can reduce my debt payment?

how do I negotiate with creditors over debt? I need some direction, I have a few debts that I am going to need to pay off. I read that you can negotiate with your creditors a lower rate. How would this work, and has anyone ever had sucess in this?

I want to pay off a debt. And negotiate a lower payment. However, I been told that the difference can be cha I want to pay off a debt. And negotiate a lower payment. However, I been told that the difference can be charged back to me on a 1099 as additional income. Is this true?

i need a company to negotiate my debts for me and consolidate them in NJ.. who can do this?

I own a corporation in California, and i owe payroll and federal taxes.Is there any way to negotiate the debt? My business has not been doing good, so Im behind on the taxes. What would anyone suggest a way to negotite the debt so the penalties dont keep stacking up?

Can you negotiate settlement on credit card debt? I have credit card debt that I have the money to pay off. However, I heard that credit card companies will negotiate a lower amount, say $2,000 instead of $3,000 in order to get the cards paid in full. 1. Is this true? 2. Does this look bad on your credit report? Or does it even appear? 3. How does this work and how do you go about negotiating with them? Thanks for your time!

Which option is more advantageous - consolidating credit card debts or negotiating with each creditor? I have close to 20k of unsecured credit card debt from different creditors. Some of them have been willing to cut the balance in half in order to settle the account. Should I attempt to individually settle with them? Or do I take out a consolidation loan for 20k?

Should I try to negotiate my credit card debt down before paying it off? I got a loan from a bank to pay off my credit cards, but I wonder if I call the companies if they'll let me pay back less than I owe if I try to negotiate. How should I go about it? I have one $5,000 balance and two $1,000 balances. I borrowed $7,000 but it sure would be nice to not have to use the entire 7 bills.

What department should be called at the credit card companies to negotiate interest and debt?

Is it possible to negotiate with your credit card companies on your own for debt settlement? I've been researching debt settlement programs and they sound like a good option. Has anyone been able to negotiate with CC companies on their own to avoid the several thousand dollar fees?

How do I contact collection agencies to negotiate and payoff the debt? I need to increase my credit score. These companies are not calling me. I am trying to contact them. Within the next year, I am wanting to buy a house. If I am to do this, then I need to get these credit collections off of my credit report. I really need to contact these people, so that I can get collections off of my credit report. Will someone please be so kind to inform me of how to take care of this problem? Thank You!

Can consumer credit counselors really negotiate debt? A co worker of mine said that she had several thousand dollars in debt and she said she is only paying a fraction. Sounds too good to be true.... and.. she said that it was free from the state of california..

How can I negotiate my own debt settlements with creditors without using a "debt settlement" company? unsecured debt; collections accounts

Is it better to negotiate past due debt with a credit card company yourself or hire a debt settlement company?

Can a collection agency re-date your account when you make phone contact, ie trying to negotiate with them? I want to negotiate some of the debt to be removed completely from my CR, for a percentage, but I don't want it re-dated (of course). Should I even contact the companies that are within a year of falling off or should I just let old dogs lie?

How do I contact the collection agencies to negotiate and pay off debt?

I have recieved summons over a credit card debt. Is trying to negotiate a settlement my best option? What are my chances of settling at a lower amount? With over 25% in interest the amount is over $8000. What would be a good target for negotiation? Also the lawfirm involved is about 4 hours away from the court location. If They don't show up, can this be dismissed?

How can I negotiate my own lump sum credit card debt settlement? I owe a large amount on my credit card and have not made a payment in sometime. I now have a lump sum of money and wanted to see if the cc company would negotiate on the amount owed. Much of that amount is late fees. Can anyone help me?

Can you negotiate a settlement with a debt collector after being sued by them? I have already received a petition from the court. I can't afford a lawyer to handle so I want to do the right thing and get this taken care of without going to court or having my wages garnished. Please help :(

does debt settlement service which negotiate your total debt down to 40% and get 15% fee an honest service ? there are many companies that offer this service, they will contact the credit card company that was owed and negotiate the settlement amount up to 40% of the total debt, you pay 15% of the original amount. Is this a real service or is it a scam to hook you in , get 15% of your money then run ? thanks

How do you negotiate delinquencies off your credit report? Someone on here once wrote this. But has anyone ever done it: "When you pay off your medical collections, before you send any checks to them you should try to negotiate the removal of these items from your report by the collection agencies. Get it in writing. Otherwise everything stays on for 7 years. That's a long time to pay for youthful troubles. " Say I pay off all my debts, can I ask each of them to remove the debt from my credit report? And how would having it in writing help?

Should I try to negotiate a lower interest rate on a credit card? I am in the process of paying off debts (thank you Dave Ramsey), including a credit card with about $9000 on it. I am able to make the payments and I am current. Despite this, a lower interest rate would be nice. Is it possible and advisable to try to negotiate a lower rate under these circumstances?

Is it possible to negotiate with banks to reduce personal debt level and if so how do you get started? Specifically with the Bank of Scotland

How far will a bank negotiate to avoid writing off a credit card debt? My mother's friend owes $16,000 on a credit card and the bank has been charging her 30 percent interest. Eventually she just refused to pay. After months of threats the bank relented and offered her a five-year plan to pay off the debt at six percent interest. She says that will simply be paying back the bank its 30 percent (in the total accrued so far) over a longer time. Plus, she can hardly afford the $325 monthly payments. Her debt is more than 10 years old and she's payed back so far more than twice what she borrowed on the card. She offered the bank 10 percent to call the account settled but they scoffed. She wonders, given that they did finally quit threatening her and made her an offer, are they likely to soften further if she holds her ground and prepares for bankruptcy? Would the bank be likely to accept a counter offer from her of their five-year-plan on a lesser total amount? How much would the bank get if they wrote off the account and sold the debt?

is it true that when you have debt that is long overdue you can negotiate with the creditors for a lower price I have old Apartment debt that i am looking to pay off, how would i go about negotating pricing with them?

Will Professional Account Management LLC negotiate/settle debt? These are parking tickets i received in DC...this is why i am wondering if I will be able to settle with these people and pay less than what i actually owe. anyone know?

Can I negotiate directly with a credit card company instead of the collection agency? I have a credit card debt that has gone to a collection agency. It's a long story, but I was wondering if I can negotiate with the credit card company rather than the collection agency. I'm hoping to negotiate to a smaller amount and monthly payment. Is it too late for this? It turns out that Capitol One still owns the debt, the collection agency works for them. Does this make a difference in negotiation or am I still better off?

How do I negotiate a lower interest rate on my current credit card? I've had this credit card for 10 years now and it's at 28% APR!! It has a balance of $5,000 right now and I'm desperate to pay it off and get out of debt. I'm paying almost $200 a month in finance charges alone - so what do I do? Should I contact the card company directly and ask - and if so how. Or should I try the consumer credit counseling service to negotiate it for me? HELP

Is it possible to negotiate with a credit card company by offering to pay in full? I am going to be taking out a loan from a bank in order to pay off all of my credit card debt. On a few of my cards, I am over 30 days late on payments. Citi Card is calling constantly, lol. On some cards, I am caught up, but may be behind by the time I receive the funds from the loan. Would it be possible for me to negotiate with the credit card companies to reverse all late/over limit fees by tempting them that I will pay in full if they comply? Would they potentially be willing to reverse more than the current late/over limit fees? Either way, I will pay them in full...but I want to save as much $ as possible in the process.

Once an account is sold to a collection agency, is it possible to negotiate a payoff w/ the original creditor? I've had a couple of old accounts go to collection agencies. The collection person told me, it was physically impossible for me to negotiate a deal with the original creditor because the collection agency now OWNS the debt.

Can I negotiate my credit card bills down? Well, I'm caught up, paying the minimums, and following Oprahs debt advice to pay off the smallest ones first. At this rate, we'll be out of debt in a year or two, but if I'm going to be scrimping and saving like this, I'd like to get something out of it. I hate giving the money to the credit card companies. Is there any way to negotiate them down? Not just the interest rate, the actual balance. I've heard that if you stop paying them, they are more willing to negotiate, however, we just got back on track, and I don't want to off again. Any ideas? Experience? Appreciate it, thanks. Actually they are my husbands credit cards, my mistake was in marrying an over spender, if you have credit cards you know they are mostly interest anyway. thank ecerybody! Those credit settlements, didn't that ruin your credit? Do you feel that it was worth it as far as improving your credit in the long run, and your ability to buy a house sooner than before the settlement?

how can i negotiate my debt??? is there any way to negotiate my credit card debt with the companies? any help -please. thanks

Has anybody used usfmgroup to negotiate their debt? Heard anything bad about this company?

how do you negotiate with credit card companies to pay the least amount on debt you owe? if you have a couple of credit cards with large balances and they are trying to collect from you, what is the best strategy to make the best deal to pay as little as possible? How do you approach these people and get the best deal for yourself?

I have a ton credit card debt, I have received money to pay does it hurt my credit if I negotiate the balance? I am trying to pay off some of my debt in full, however I have late fees, over the limit fees. I've been told that if I call and negoitiate these balances that will hurt my credit. Does it hurt my credit if I call and negoitiate them to take off some of the late fees, etc if I pay the card in full?

how do you negotiate to remove account on credit report as collections? as i understand it takes the cc company 120 days to sell your debt to someone. i am not late yet but soon i will be. i am getting a lump sum of money and will be able to pay this in full. how can i negotiate with the company to remove my paid collection status or remove any negative information.

Consolidate...Bankruptcy...or Hand Power of Attorney to a business to Negotiate your Debt for You? If you already have poor credit and you just want to get everything over with... which would be the fastest, cheapest, easiest way to go about it all? And what's the difference between secured debt and unsecured debt?

If I negotiate a debt with a large credit card company (citibank) can they deny me.? I owe citibank 13k, i just received another letter that they are going to take action, a judgement was already made. I have a debt collector involved, but i want to go straight to the lawyers who are assisting with the debt. I can give them a couple of thousand for a downpayment and then make monthly payments. I am afraid of having my bank accounts garnished or paycheck. I live pay c heck to paycheck. The debt company has done very little to help me and I know they want a commission.

How to get a lower pay off ammount for credit card debt? I've been having trouble paying for a few months because $5000 got stolen from me, I recently sold some land and I want to pay everything off but I owe quite a lot and I want to be able to pay off all my debts, I heard from an old co-worker that you could negotiate the debt down to a lower payoff ammount, anyone know how this works and what I need to do?

Can you negotiate a car debt? (like you can negotiate credit card debt.)? I am paying 23% interest and want to get it lowered or pay off the car at what its worth. I owe 30K and the truck is worth only 18K.

I am negotiating debt management with my creditors,Capital one say they will agree but must pay £129 for 3 mon I find that you can negotiate directly with creditors,as they are not that keen to involve a third party who take a chunk,unless someone like Consumer Credit Council who really good woth help,cant speak to highly of,they would do it all for free of course.Anyone with any advice?