Negotiate a Debt Settlement

My Debt Settlement was sucessful but only with credit cards, how about other debts?

Around 1 year back, me and my wife decided to go with this company http://www.DebtCareUSA.com for debt settlement of our credit cards. We had around $16,000 and we had to pay back only $9,000 that too in monthly payment... They paid off all our 4 credit cards and now we are in good shape but this company told us, they can not help us with IRS, Student loan and a car loan we have because these are secured. Is there a company which can settle secured debts for us?

Public Comments

1. You have credit card debt, and you wan to pay it off as quickly as you can. We will assume that you are going to stop creating more debt. You have changed your ways. You also understand that paying credit card<!--balances with a consolidation loan or rolling it into a mortgage isn't paying it off. In fact, paying a lower interest rate, but paying on the debt for many more years, usually means paying much more, not less.Okay, so you really want to be rid of that credit card debt. http://bestcreditcards.freehostia.com/Credit_Card_Debt.html First, you have to understand that not all debt is the same. Of course you know this. Some of your cards have a higher interest rate than others.Find and budget the money to start paying down those balances. If you order pizza every week, for example, you may be spending $60 or $80 per month right there-->If you are serious about getting those debts paid, you may have to eat $4 frozen pizzas for now. Do what you have to do, and determine how much you can apply towards the debt each month.
2. YOu should call each one of these creditors separatly, As far as IRS, don't mess with uncle sam, he can really screw you up. He doesn't care what you have done with other companies, if you don't take care of him, he will take everything.
3. Unfortunately, student loans are not even bankruptable. So you absolutely have to pay them. As far as the IRS this is another debt that is not bankruptable and you have to pay negotiate instalments with them. About your car you can make payments you could make extra payments to the car and then follow that logic with the other debt. I think if you do not want to assume the car loan sell it, if you need the car then pay it off early.
4. There is no absolutely answer for your question.However,explorer the information here will give you some ideas.HOpe it helps.http://debt-consolidation.featured-resources.info/no-equity-debt-consolidation-loan.html