Originally Posted by sabi
Hi. I'm posting this message on behalf of my father. We live in a three-person household in the U.S. Without our previous knowledge, he had thoughtlessly run up a $145,000 debt--getting him to 'fess up this figure was not an easy task. (By the way, he's retired, mom's still working, and I work as well.) Now we're scratching our heads trying to figure out what to do. Currently, his credit standing is good, but it won't be for long since we don't have a viable way right now to help him with next month's minimum payments on his various credit cards. We’re desperately trying to avoid having him file bankruptcy or give up the house as payment. To me it looks like we're going to need a service to help us get some sort of debt settlement, but I don't know who to approach, mainly I don't know who's reputable and effective. If you're part of a reputable, very affordable, effective service, or know of one, please let me know. And if anyone knows what course I should pursue in general, I'd like to hear from you, too.