I am going to let my house in California foreclose. I have about $28,000.00 in credit card debt. Should I file for bankruptcy? Should I just not pay my credit cards? Or should I continue to pay my credit cards? Is there a certain dollar amount of income you are allowed to make to be able to file for bankruptcy?

Settlement Reached with Bank of America in Case Accusing Credit Card Companies of Colluding on Arbitration Terms
Berger & Montague, P.C. announces a tentative settlement with Bank of America, N.A. and a related company in a 4-year-old lawsuit accusing Bank of America and other credit card companies of unlawfully colluding to require cardholders to arbitrate disputes, including debt collections.

Read more on PR Newswire via Yahoo! Finance

As everyone must have noticed, there are now hundreds–if not thousands–of debt settlement companies out to make even more money on people that are almost in a state of bankruptcy. They all seem to “claim” that they can reduce your debts by 50% or more without damaging your credit score. So if it’s that easy, does anyone know how to go about doing it yourself without paying someone?

Seymour woman: Agreement with credit card debt company was ‘big mistake”
A Seymour woman admits she made a big mistake by saying yes when she got a call offering to cut her credit card debt.

Read more on WATE 6 Knoxville

Better Business: Getting harassed for debt you don’t owe
A collection call is unpleasant under any circumstances. The threat of arrest for a debt you don’t owe is downright scary.

Read more on Memphis Commercial Appeal

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Debt Consolidation Secrets: What you should know before you even consider a Debt Consolidation

I am really bad with paying bills and my credit has taken a hit these past couple years. I make enough money where I should be able to pay everything with no problem but for some reason I continue to struggle. Do you think a debt consolidation would be best for me and to help me improve my credit score? Does this really work?

I am a senior in college, I have no job now as I am finishing school. I start work in June, and I actually have good credit, over 700, and 5k in credit card debt. I’ve paid my bill in full always in the past until my last killer spring break. Debt settlement sounds cool to cut the debt in half which I would pay off with a lump sum, or should I just stomach it for another month where I can pay it all off entirely in full. Thanks.

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