Maria Gallercia asked:


With the exception of companies with credit card, you can also use a letter of validation of the debt for student loans and mobile phones? Thanks in advance.

Carmen

clubberz1951 asked:


After a divorce, my debts with credit card companies, especially with new increased minimum payments are unachieveable, and I’m looking for relief - these companies claim that,for a fee, 15% of the negotiated total = typically 50 - 60% of the original balance, they will negotiate with the credit card companies and you pay the lesser amount, something you can afford - are they for real and do they work?

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