I found something that I think might be useful to everyone  - especially moparnut360 -  before you go any further with your debt settlement situation.

Debt settlement  - A Costly Escape

Hello, Am so sorry that you are going through this financial hardship. I was wondering how did you apply at accredited financial corp? How did you hear of them? Is it possiable do they have office where you applied? If so is it possiable to go there. The reason am asking cause long ago I had accredited mortgage which did not turn out very well at the time and was a very difficult company to get a hold of. So if you could please keep in touch let me know how you making out.
My very best.

Hi
My wife and i are behind on our credit cards so we enrolled in accredited financial corporation. We paid in $1026.00 so far and they have not paid any of our creditors and now the credit card companys are calling wanting there money and AFC. will not return our calls or emails or return our money. is there anybody out there that can help me with this. I wrote a letter to the attorney general and the BBB. but have not recieved and response. PLEASE HELP ME. Thank Dan an Pat

Thank you for the ideas. Another is instead of renting movies borrow them from the library for a few days.

1) Cut your Cell Phone Bill. Many people are switching to prepaid types of phones, which is an immediate way to start saving money on your cell phone bill. The reason it's easier to save is because you buy minutes as you go, so when you have used all of your minutes, you have to buy a new card or a refill and add more talk time to your phone.

2) Make your own coffee. If you have a coffeemaker, it makes sense to make coffee at home instead of hitting Starbucks for a latte.

3) Cancel Your Cable/Satellite. This will probably cause a knee-jerk reaction with many people, but you can save a lot of money if you cancel your cable.

4) Borders Book Store or the Library? Are you a big reader? If you are, then Borders might be one of your favorite places to visit. Borders is cool because you can go there and read books and magazine while you enjoy coffee. But you don't have to buy anything: you can just browse.

5) Get a Roommate. This might not be possible for people, especially those with one bedroom or families, but if you are paying full rent on an apartment or home, maybe it's time to look for a roommate.

6) Return Stuff. If you bought something three months ago that's still in the box or that you haven't worn, chances are you're not going to use of wear it any time in the near future. Take it back and get money in return. Even if you don't have the receipt any longer. Return it!

7) Get rid of your credit cards. Credit card companies do a lot of things to make it seem like your getting a great deal. With interest rate now, you dont really know what you paying for anymore.

8) Conserve your gas. If you live close to other family members start car pooling. Don't you always seem to see a family member while running errands.

I’ve gotten several email message and phones calls from people wanting to talk about debt. But then one interesting phone call came to me and I was asked. What is debt?

I thought of the question and tried to find a real good answer and this is what I said. “Debt is a way of over extending your spending before you receive money.” The person on the other side of the phone call was happy with the answer but then after I hung up. I started thinking about the question again.

We live, work and play in a society that except us to have everything today. Not yesterday, not tomorrow, but today and because of that we over extend ourselves. We have to have the best, the latest, the newest and grandest before anyone else. We have to show off, be better and be first.

Because of that thinking, we get ourselves in debt. We just have to…

But you must go deeper in your thinking. Is it worth it? Is being in debt worth all the glorified items in your life? Making payment, after payment and after payment for that item to please others or be first or just to have it.

I have to remind everyone that debt is not necessary in your life. It is not that important. You take debt out of your life and your stress level will go down a lot and I do mean a lot. Yes, I do understand that you have to have a car or a home or the clothes that you wear. But anything beyond that is not really necessary.

You must and work hard to get out of debt, no matter at what price. You must change your thinking and live within your means without getting into debt. Don’t worry, that sale will happen again in the future. That lamp, you will find it cheaper somewhere else. Life will go on without you even having to buy that product with a credit card.

I work with cash. If I don’t have the money, that means, I don’t need it. If I want a big ticketed item, I save. I never put it on credit and I don’t buy anything with credit. Yes, I do have a car loan but I double the car payment to get out of that debt faster, as fast as I can. But if I had credit card payment, I would not be able to do that. Can you?

But you must remember, Is it worth it?

I need help to pay my mortgage. Can someone help me find goverment grant can help my family.

I travel for work and my job requires me to have a credit card.  This card is paid off every month.  I have several other debts that I would like to get debt management with somehow, but I am unsure as to how to do that without having to cancel all of my credit cards.  I cannot keep my job without the credit card. 

Is there anyone out there that knows of a way to handle this??  I'm not behind on anything yet, but I will be within the next couple months.  I'm really, really scared right now.

september 2005 my auntie help pay off a $6,000 dollar credit card debts, october 05 I started working for Dept. of Sanitation as a clerk March of 06 I finished paying her back from October05 to March I gave her $500 every two weeks out of a 700 check  but i've accumulate more credit cards and a cellphone that i needed but she doesnot know about this Every thing is about $2000 if you could please me out of this I need to learn how to spend wiser. It won't be pretty if she find out and out of  my 700check I'm giving her 400 (250 for rent and 150 for saving this is since March 06 so i can't really pay off any bills help please!!!!!!! thank you so much and hope and pray that i do better Thank so much in advance!!!!!!!!

I am behind inall my bills.

Con Ed is coming for my meter tommorrow.  My car loan is

behind 2  months.  I  had my car insurance cancelled for none

payment.  I am so far behind in credit card payments I cannostart to list there problems.

I need help to pay my bills and I cannot get any loans to assist in my problems.

If there is anyone out there please send me help.

Thanks

I am a soon to be college graduate, and in the last 4 1/2 years I have occured $8,500 in bills! This may not sound like alot, but I haven't worked much throughout college making it extremely difficult to pay for simple things such as gas, meals, books, etc.  The only choice that I had was to put all of my expenses on credit cards.  I still would like to attend graduate school, but I feel that the longer I stay in school, the more in debt I'm going to be! Please help me pay off this bills!!

Struggling College Student

It is horrible and I feel like everything I do is never good enough! If I did not have a child and another on the way I would have nothing! They are the reason I need help.. I made mistakes and tried to pay to get out but the debt is too large I have lost everything and I still have more fees and more bill collectors. I am very happy that I have my son and girl on the way so I have two reasons to never give up on living and loving. I do not have money for bankruptcy either.. so I just wanted to see what I should do.

I AM TRYING TO APPLY FOR A SMALL LOAN FOR OUR FAMILY OWNED BUSINESS, DUE TO LACK OF CREDIT HISTORY OR BAD CREDIT WE CAN'T SEEM TO BE ASSISTED OR HELPED BY ANYONE.

We do not want to lose our home in forclosure. We are 1 month behind an will be another month behind in 1 more month. I have be dignosed with bi-polar and am not working at the time. We need to paint our home so that our payments will go down. We borrowed $3,000 from my grandfather who just found out that he has cancer, to fix our roof. We borrowed $5,000 from my grandmother for a new heater when it went out. She is really behind on bills and I would like to help her out also. She helps everyone and now she is retired and has to work to help out the other family memebers. She has about $30,000 in Credit card debt.

I need a grant to help pay  my mortgage, credit cards and tutition for school.  Can you help me find a government grant that will assist my needs?