Just In Time Lending

and if yes ,how to prove that you stoped paying for 6 years?And if not,what is the best way to be free of debt100%?rather than debt consolidation and bankrupcy and chapter 11

Can paying off credit cards hurt score? Dear Credit Card Adviser, I paid off all of my credit cards and some other debt I had with inheritance money I received. Then I heard it will hurt my credit score by paying them off. Is this true? I hope not. I thought I was doing the [...]

months. I recieved a demand letter from a collection attorney. They are giving me the option of paying monthly. If I start paying them a reasonable amount will they accept?

I am told that I should immediately stop paying my credit card bills to get the attention of the lenders, so they will be more open to negotiations. And I should refer all contact to the debt settlement company. Is this normal? I’m not behind on any bills right now, but it’s looking likely that [...]

I have $6400 in Credit card debt. Could I have that cut in half or reduced if I pay it all at once. Maybe $5000 if I pay off all of the cards at one time? or something lower? Can I save money by paying off all of my debt at once? Can I settle [...]

I have a great credit history and score, never late on payments, and pay more than the minimum due, but I don’t know if I should refinace house, do something with 401k, or get a big loan. I don’t know the differnce between credit counseling and debt consolidation, or other options I may have and [...]

Who did you use? Tell me the pros and cons about using them. Thanks.

Also, can a revolving line of credit (it’s also a atm card) be included in a debt consolidation? And can I choose to leave out a loan or specific credit card where I have 0%?

I have heard that I should not even deal with these people, and can still deal directly with the collections agency.