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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baileyboudin asked:


I have my own credit cards, etc. and have realized I need to change my spending habits so I am going to see about credit counseling. But the problem is that if my husband finds out how much I owe, THERE WILL BE A DIVORCE. I need help in solving this problem.

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GG asked:


Does any one have any experience w/ debt relief.
My sister is in need of some help getting out of her mountains of bills due to a divorce and bad relationship decisions. She does not have the luxury of obtaining a loan to help, due to her terrible credit.
I told her to file for bankruptcy but she wants to avoid that route.
Anyone have experience with this.
Where would she find this consumer proposal?
Is this an attorney?
Or debt relief?

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