debt settlement coaching such as zipdebt ..
I decided that i wanted to d debt settlment. I was going to go wiht Superior but then read about debtxpert. After visiting his site I learned that because I have only $1200o in debt i dont qualify for his program but should do it myslef. However i have seen debt coaching programs such as zipdebt and am wondering about those. I am not the most aggressive person in the world nor do i know the ins and outs of cc settlment. It would be nice to have some help, advice and a listening ear through the process.. Here is a rundown of my situation.
I am going through a seperation, having been a sahm the first step has been employment my next concern it trying to eliminate debt asap..
discover $4700 (didnt pay last payment since was plannin on SDS, so its two weeks late same with pennys other our ccurent)
After reading through deptxpert.com forums i have saw that its best to settile pre charge since i cant do all in 6 month i did see suggestion about keeping current on some untill i am in a situation to settle those in 6 months. alsor ead discover wont settle if you are current on more than one so i am thinkin that should be the last to settle.
I am thinking I should settle paypal and jcpennys ( i do have just under $1000.00 put aside) then work on WF then Discover. Is this a good idea and is there a way to get coaching and help the is legitimate and actually helpful?