Problem 1 : They are calling the wrong number. Other companies keep calling too. This has been going on for years and is driving me crazy.

Wrong Number

Problem 2 : I want to pay but I need some help or time – There are a number of solutions out there all with their unique pros and cons.

These companies have previous relationships with the collection agencies so they know what they are doing and can get reasonable settlements.

These companies are essential loan companies that pay off all your different loans and give you one payment to deal with.

Payment Help

Problem 3 : I simply don’t want to pay and I will just wait until I get enough judgements against me to file bankruptcy (Chapter 7 & Chapter 13)