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Superior is correct for most States. PA. law does not permit wage garnishment for unsecured debt. They can still pursue a judgment to protect their right to collect but they can not garnish.

You State laws do provide you with a degree of protection. That said, bankruptcy even a chpt. 13 doesn't sit right with me. I would recommend looking into a settlement program. Be sure to do your...

We also target internet services for a large portion of our clients. Our view on staying out of TV and radio is pretty basic. We only want clients that need us and that qualify. TV and radio could...

I don't know anout elsewhere in the country but here in Southern California the t.v. adds are all credit counseling ads. I have yet to see a debt settlement ad.

Garnishment amounts vary State by State. Generally speaking on unsecured debt no State can go above the Federal limit of 25% of your net check (take home pay). Additionally Federal law prohibits more...

Can a creditor still garnish wages after reaching a payment arrangement in binding arbitration that is being followed per the arrangement?

CCCS though typically non-profit are still funded. It's called fair share and is a percentage of the amount collected for the creditors. It use to be as high as 15% but has been cut drastically...

Thank You

You may want to make sure that the debt settlement company has certified mediators/negotiators. Also online access to your account to monitor their communications with your creditors. Check that they...

DrJizzle hit the nail right on the head. I am in the debt settlement industry and his advise needs to be adheard to line for line.

Your options really depend on what your desired outcome is. A fico of 700 is good and any program will have an effect on your score. However, with your debt load, worrying about you credit score for...

You may want to look up the statute of limitation in your state. Generally a creditor only has a specific time for default to collect. If that time has elapsed you may be able to have the judgement...

Thaks for the advis. How binding is arbitration? I understood that on its own it has no leagal merit to impse garnishment or other remedies that the creditor wants. I understood that they must take...

I hope you can give a little advise. I have fallen behind on my credit cards and now am being threatened with binding arbitration. I was told that I should dispute the arbitration as a violation of...