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[baily16]

What is the name of your state? Florida

It's been a while since I've have been back, but once again i am in need of some more advice.I am still struggling with debt, and I need help. With all the financial sites out there, it is hard for me to determine what's right or not or what is the best method to use. I found this site, [url]www.bigbadcredit.com[/url] and its provided me with a lot of good insite on credit, i wanted to know if you guys can provide me with any other information, such as websites, or just some advice, that could help me manage my credit better.What is the name of your state?

[seniorjudge]

Originally Posted by baily16

What is the name of your state? Florida

It's been a while since I've have been back, but once again i am in need of some more advice.I am still struggling with debt, and I need help. With all the financial sites out there, it is hard for me to determine what's right or not or what is the best method to use. I found this site, [url]www.bigbadcredit.com[/url] and its provided me with a lot of good insite on credit, i wanted to know if you guys can provide me with any other information, such as websites, or just some advice, that could help me manage my credit better.What is the name of your state?

Some people on this forum have liked the websites listed below:


Standard answer on expired SOL and/or validation and/or dispute letters. There are thousands of posts similar to yours on this forum so I have prepared a standard answer.

SOL (Statutes of limitation are DEFENSES to lawsuits; they do NOT provide a method to stop someone from suing you. This defense means when they sue you, you answer with the defense that it is barred by the SOL.)

[url]http://www.bcsalliance.com/y_debt_sol.html[/url]

[url]http://www.fair-debt-collection.com/Disputing_Collections/SoL-dispute-letter.html[/url]


Validation letter samples you can get at :
[url]www.creditinfocenter.com[/url]
and [url]www.creditboards.com[/url]


Disputes: You can write a letter of dispute to the three credit reporting agencies.

Go this website to find instructions and samples for how to dispute: [url]http://www.creditinfocenter.com/creditreports/[/url]

Sometimes errors are easy to remove and sometimes they stick like glue. It is inexpensive to try and not difficult.

I am NOT a creditor-debtor lawyer; stand by for further help.

I am NOT vouching for the accuracy of these websites!

Debt settlement:

[url]http://forum.freeadvice.com/showthread.php?t=293829[/url]

[Debt Guy]

that website is really a debt consoliation lead site -- that means the company who sponsors this wants your name, phone number, address, email, etc. and will then sell that to a half dozen debt consolidation companies

these companies will then call you and try to sell you their services.

If you try to work out monthly payment plans, stay away from these guys. Go to nfcc.org and locate a CCCS company -- one of the pages will let you enter your zip code and you will get a list of everyone within x miles of you. Pick one, make an appointment and go in and sit down to discuss a budget and developing a plan.

Stay away from the consolidation companies you find on the internet.

[baily16]

Thanks for your help. I will continue to do more research and reading about all of this through the forums and what not.

[baily16]

I did some more looking around and I ended up at [url]http://bigbadcredit.com/budgeting-tips.htm[/url] . I dont think i need to go in and meet with someone to create my budget, the budget seems to be more of a guide line, not everything can be predicted, you know? so I will keep checking things out and trying to figure this all out. But I want to thank you guys for taking the time to respond and helping me out.

[Debt Guy]

If all you want is to read about budgeting, fine.

Most Credit Counseling agencies offer budgeting classes and will help develop a budget to fit your situation. It is not expensive.

Just stay away from the debt consolidation companies.