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Type: Posts; User: Superior

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  1. Answers
    14
    Views
    3,858

    My advice is to respond to it. Tell them...

    My advice is to respond to it. Tell them basically what you told us. If the amount that you owe differs from the amount that they are claiming, then you may have a leg to stand on.

    On a personal...
  2. Answers
    7
    Views
    2,790

    Update: This statement is true for Texas only. ...

    Update: This statement is true for Texas only. Don't want everyone in every state to think that this is true for them.
  3. Answers
    7
    Views
    2,790

    You are correct. Wages cannot be attached or...

    You are correct. Wages cannot be attached or garnished, except for child support. The creditor can obtain a judgement. They may be able to put a lien on property with the judgement, as long as the...
  4. Answers
    18
    Views
    19,361

    Most settlement companies use this strategy to...

    Most settlement companies use this strategy to negotiate settlements, although the methods vary.

    Superior Debt and other settlement companies create the Special Purpose Account for you, while...
  5. Answers
    12
    Views
    10,991

    A settlement company may be able to help, but you...

    A settlement company may be able to help, but you would have to take care of that in a timely manner to avoid the lawsuit which could lead to a judgement which could lead to wage garnishment.
    ...
  6. Question: Car Hauling

    by Superior
    Answers
    6
    Views
    6,105

    How long ago was this vehicle purchased? You may...

    How long ago was this vehicle purchased? You may wish to consider refinancing the car to bring down the interest rate and lower your monthly payments. Beneficial, Household, and American General...
  7. Answers
    34
    Views
    16,336

    You are correct. CCCS programs have the best...

    You are correct. CCCS programs have the best interest of the creditor in mind. They are funded by the creditors, work for the creditors, and that's the bottom line. I could go on for days about...
  8. Answers
    34
    Views
    16,336

    It is rare. I actually haven't seen one yet, but...

    It is rare. I actually haven't seen one yet, but I've heard of other companies running them. We've found that because of the level of market targeting that needs to go into the program that it's...
  9. Answers
    34
    Views
    16,336

    This is true. Advertising is by far the largest...

    This is true. Advertising is by far the largest expense for any for-profit company. When you weigh the income against the payouts, you're lucky if you break even. The hardest part is targeting...
  10. Answers
    12
    Views
    10,991

    Not a bad idea. Typically a consolidation loan...

    Not a bad idea. Typically a consolidation loan requires you to put up property to obtain the loan. Then you use the loan amount to pay off your creditors. If you have enough equity to obtain a...
  11. Answers
    4
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    3,965

    When my grandfather passed, I was not obligated...

    When my grandfather passed, I was not obligated to pay his debt. When creditors called I advised he was deceased and sent a legal document (death certificate) if asked and that was the end of it.
    ...
  12. Answers
    34
    Views
    16,336

    I have talked to several people that want to take...

    I have talked to several people that want to take this route. I advise them against it initially. Even though they are saving money and settling accounts with a lump sum, they are still trading an...
  13. Answers
    34
    Views
    16,336

    At last, we're starting to see eye to eye. I...

    At last, we're starting to see eye to eye. I agree that there are a lot of companies out there that push their services before considering the best interest of the client. This leaves a bad taste...
  14. Answers
    34
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    16,336

    If you're a financial planner, and you recommend...

    If you're a financial planner, and you recommend that somebody trade their unsecured debt for secured debt, then you are asking them to put up property to take care of unsecured debt loads. Why...
  15. Answers
    34
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    16,336

    No financial planner would ever recommend a...

    No financial planner would ever recommend a mortgage refinance (one form of debt consolidation) to get out of credit card debt. It is substituting secured debt for unsecured debt and you could lose...
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