(Question submitted online) I signed up with Credit Solutions a few years ago to settle 2 accounts. I paid off one account and haven’t received anything to say it has been fulfilled. I have been trying to contact Credit Solutions for months with no luck. All of their numbers have been disconnected and the new # on their website doesn’t work. I called the firm where my debt was to confirm I have paid in full and they said they couldn’t give me any information because I signed a Power of Attorney with Credit Solutions. I am trying to settle my 2nd account and I am running into the same problem with this firm and they won’t give me any information because of the POA. I just want to take care of my debt and rebuild my credit. What do I do now? 
Credit and Debt Blog
A Service of Debtors Unite, Inc.
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Can you Trust a Debt Settlement Lawyer?
The advertisements claim that you can settle your debts for far less than you owe. While that notion may in some ways be true, you might be in for a very bumpy ride if you think that one of these nationally advertised debt settlement companies can actually help you. They can sure seem helpful, until you pay them.
(Jocelyn from Florida) I am trying to buy a house but my credit cards have big balances. Can I legally stop credit card debt from destroying my credit?
(Sam from Maine) I just found out that I owe thousands of dollars on credit cards that I shared with my wife. She ran up the balances after our divorce. Am I responsible for paying my ex-wife’s credit card debt?
Western Sky Scam is More than Just Usury
Western Sky Financial has been one of the most prominent and most successful lenders over the past couple of years. Desperate consumers continue to flock to the high-interest lender to obtain loans that they believe will somehow alleviate their financial situation.
Skeptical consumers often ask, “is Western Sky Financial legal?” Of course they are referring to the usurious interest rates charged that often exceed state usury limits where the consumer lives. While the rate itself is often actually illegal, what is really interesting is the illegal steps taken by the lender to obtain a judgment against those who fail to repay the nearly impossible to repay loans.
Do I Need Good Credit to Start a Business
(Cheryl from Pennsylvania) I want to start my own buisness but I have bad credit. Do I need good credit to start a business?
I was just late on one credit card, will the universal default clause raise all my rates?
(Mark from California) I was just late on one credit card, will the universal default clause raise all my rates?
Will a Debit Card Help Me Build Credit?
(Doug from Georgia) My credit score was low becuase I don’t have any credit cards. I use my debit card frequently and would like to avoid the risks of credit cards. Will a debit card help me build credit or do I also need credit cards?
Vacationing on a Discount Using Prepaid Coupons
From my marina-side suite on exclusive Bald Head Island, I am encouraged at how reachable such seemingly out-of-reach destinations can really be. It is moments like this that I can really appreciate the financial savvy of my wife who uses various social discount tools to give us breathtaking getaways at bargain prices.
Recent legislation bans the long abused practice of debt settlement companies charging huge upfront fees to clients who mostly never received the services promised to them. Instead of complying, many debt settlement companies are exploiting a loophole that allows them to continue cheating customers.
The ban on upfront fees does not apply to lawyers. A law firm who represents a debtor may charge an upfront fee for debt settlement services. Debt settlement companies are exploiting this exception by “partnering” with law firms to get around the advance fee ban.
