I went with Phone Debt Options for make an effort to negotiate personal debt. They obtained my cash ($4500) more than 2 decades and we resolved with 4 out-of 11 lender. Then a few of the lenders desired their cash today and document suit. Phone didn't advise me of just how to document the paperwork for that law-suits after which I obtained a standard reasoning after which the lenders garnished individual home and bank balances. I since have submitted a Section 13 bankrucpty. I ought to have saved my $4500 and submitted Chapter 13 right from the start. I'd NOT suggest dealing with Phone Debt Solutions.
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