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  1. After applying with Money Management International, I found that Greenpath charges more fees, and also has higher on plan interest rates than MMI, so I'm going with MMI. Just in case anyone else is heading the same direction, go with MMI!
  2. I've decided to do DMP and pray it's enough to help us. I don't want to be sued or anything. My best friend has done settlement recently with no ill effects so far. She's not done yet, but so far it's smooth sailing. I am just not brave enough to go that route. Now the question is, does CCCS and Greenpath have the same interest rate reduction? A lot of mine only went down to 20%. I was hoping for more like 10%. Any info on that?
  3. Exactly. I have to do something. Greenpath only lowers my payments about 300.00 a month which helps but not enough I’m afraid. I may have to go with settlement. Freedom debt relief says that have a special team of lawyers that helps with litigation if it gets to that point. I don’t know. I don’t want to pick the wrong one but I don’t want to pick greenpath and still struggle with not having enough money to cover all the bills. Sent from my iPhone using Tapatalk
  4. I have to do something. One or the other. I won’t file bankruptcy and I can’t get a loan. I was quoted 48 months by freedom debt relief. Greenpath quoted me longer but also a larger payment that I don’t think will help much. Sent from my iPhone using Tapatalk
  5. I skipped one. I’ve done all I can to fix things on my end. I don’t feel this question was relevant to my question as to which is a better option. I am coming up short every single month and having to use my cards to cover the difference. Trust me. There’s no more blood in this turnip. I need to do something ASAP. Sent from my iPhone using Tapatalk
  6. These are the only two I'm considering. My credit is already shot from high debt load, no lates at all, but usage is very high, so no way to actually pay them down without some help. I've been quoted about 48 months.
  7. I need to decide which way to go. Does anyone have experience with them and know what's best? I've talked to National debt relief, freedom debt relief and greenpath.
  8. This is more about trying to pay off debt and whether I need to close those accounts when I'm done paying them off. Will that help or hurt the credit score, if the score is currently taking a beating because too many of them are too close to the limit? will that help or hurt the score even more? We aren't trying to get more credit anytime soon, but maybe next year, we will want to do an addition on our home, and will need to get a loan for that. So, we hope to have everything else paid up and the score better by then. Thanks for your help!
  9. Oh, I know not to send them anything. They gotta prove to me that I owe it. I was stupid, dealing with my Dad dying of cancer, and didn't even get the person's name at the time. Lesson learned there. I'll go look for the SOL on cell phones. Thanks so much for your help!!
  10. I don't think I have the original contract. I had been with them since 1996 and left them in 2007. I will look for it again, though.
  11. AFNI is a collection agency, and you're right, I asked for validation, not verification, so they still haven't given me what I need. It was well within the 30 days when I requested the information. I guess I'll have to send another letter. Not beyond SOL as it is from 2007, unless there is a different time limit on cell phone stuff. Basically what happened was that I wanted to switch carriers from US Cellular to AT &T, so called up USC to make sure I wasn't under contract, and was told I wasn't, that it was fine to cancel my account, so I did, only to get slapped with a 350.00 contract fee
  12. I sent a DV letter to AFNI and got this letter in the mail today. Creditor: US CELLULAR Original Creditor: US CELLULAR Payment Control PO Box 7835 Madison, WI 53718 Creditor Acct #: xxxxxxxxx Original Balance: 332.86 Collection Fee: 0.00 Balance: 332.86 This letter serves as verification of the debt. Upon mailing of this letter, in accordance with 15 USC 1692g, AFNI may resume collection activities. Is that true debt verification?
  13. Thanks for the info Moe. I guess I'll just have to call CCCS and talk to them about this and see if they have any suggestions on what to do. I also found out by researching online that if you were to take on new debt, say your car dies and you have to finance another one, that some creditors will drop you from the program. I surely don't want that!!
  14. I'm currently in a DMP with CCCS and have paid off half of what I owe in about 2.5 yrs time. I'm curious to ask you if your credit score came up while in the program or if it took paying it off completely before you saw an improvement. Long story short, my father died last fall, leaving me with his home to sell. I will get about 50K in cash at the end of October and need to know if I'd be better off paying off CCCS completely then, or whether to use that money to do the remodel on our home that desperately needs to be done. I am not sure I'll be able to get the credit immediately after paying
  15. Yes, it is owned by Citi as that's what on the CR. I don't want this thing getting bigger and bigger, so I guess I'll write them and hope they will work with me somehow to get this paid down.
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