Ask Bill a Debt Question

I am currently enrolled in a settlement program but I am still behind on my mortgage. Where do I go from here?

I go through a settlement company now but I am still one month behind on my mortgages and bills. Do not want foreclosure. Where do I go from here, credit is so low and poor no one will give us a loan.

If the main card holder dies, will I, as an authorized user, be responsible for the debt now?

Due to the death of main card holder being an authorized user I was made the responsible party to pay balance. I called the card company and they said it would be paid off but when I got the answer back being a natural death would not pay. I had an accident and cut my hands could not work for over 3 months but being self employed not qualified for payment. I could not get insured on the debt...
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What are my options if I cannot afford my Chapter 13 bankruptcy payments?

My credit card company wants me to send a proof of my husnad's death certificate to them. Um..he is very much alive!

We have $4,000 that is over 90 days past with a supplier. Will they take legal action for such a small amount?

Is filing for bankruptcy the only way to get garnishments removed?

Bill, we have two garnishments that total $16,000 from credit card debt, took a loan out on our house that had no mortgage two years ago to pay debts from prior marriages from my husband now and my last husband, thought the mortgage covered taxes and insurance and found out from stupidity that neither were included. Been paying on mortgage until my husbands hours were cut a lot and now going...
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How long should I expect a judgment to stay on my credit report as a public record?

A civil judgment was filed against me in May, 2006. The court contacted my employer and required that a certain % of my take-home money would be deducted from each paycheck until the specified amount of money had been paid to the creditor. A few months ago, the amount was finally paid off in full. In my current credit report, the civil judgment is a matter of public record. How long should I...
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Can my paycheck be garnished by two different collection companies at the same time?

Can my paycheck be garnished by two different collection companies at the same time? If so can they both take the normal 25%? Thank you

I have bad credit and I want to know if I can get a loan to consolidate all my credit problems.

I have bad credit and I want to know if I can get a loan to consolidate all my credit problems.  Also, I would like to pay a lower interest rate to cut my monthly payment.

I cannot decide which is better Consumer Credit Counseling Services or Debt Settlement with Freedom Debt Relief.

I cannot decide which is better: Credit Counseling Services or Debt Settlement with Freedom Debt Relief. What's best?