How to negotiate with CLA Consumer Law Association?

I joined CLA Consumer Law Assoc about a year ago for debt settlement. They have been great and I have settled some accounts already. They recently changed some of their ways because of the new law changes and I now cannot sign up any additional cards ( I stupidly held out 4 cards when I signed up to try to keep a few open) that I could not keep up with financially. I have done enough settlements to understand how it works but I am trying to figure out the best thing for these 4 debits which total 35-40K.

Two of the 4 which are Citibank have filed suit which I have put off by filing an answer through the Calif Superior Court system. I do not want to do bankruptcy because of my profession (which has taken a 60% or better pay hit in the last 2 years.

I am currently in the job market even though I am working bringing in far less right now. My prospects look good and when I find correct employment I can pay things relatively quickly. It\\\'s hard to go from $300K/yer to under $100K very humbling experience. Any thoughts and who would be a good debit settlement company if I need to find an additional one? I hate to pay 2 maintenance fees if I do that. I getting harassed by NCO and another comapny so it appears everything is in the hands of 3rd parties so I think it has been sold off. Sorry for being so long but it says be specific and I see you have answered a lot of people and it just so happened that you joined on my birthday Feb 7th so I thought I reach out to you. if you can\\\'t help me maybe you can point my to someone who can.
Thanks

7 Answers

I am vrey happy to see this great post. 


Not sure why you weren't able to add these additional accounts to those that the law firm was working on for you. And, it's a shame that they were/are charging you a monthly maintenance fee.

But, filing an answer is the right thing to do on these lawsuits. You'll want to attempt to settle these two accounts first since you have pending lawsuits. Simply fax the law firm a hardship letter, explaining your situation, and tell them what amount you can pay, and by what date. If you offer them a reasonable settlement, they will likely accept it and dismiss the lawsuit.

Best of luck to you!

Marie Megge

http://www.debtconsolidationcare.com/companies/donaldson-williams-inc/

i fired my lawyer for not doing her job st the beging i sign a lien for the doctor that i been seen i got a settlement on the cause and now the check is made out in the laywer name and my name there was lien signed for the doctor but not the lawyer cant i fight this and if i cant fight it, can the lawyer take 3000.00 out of a 5000.00 settlement


It says the creditor is AMEX


What do NCO's notices say? Are they representing the creditor or another party? It is pretty easy to tell.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

Put off meant Set Case Management date 4 months out. I don't have any extra to negotiate or pay with right now. How can I find if NCO bought my debt or acting as 3rd party and should I call them or send a letter? I am treading water and trying to keep above the waves!Thanks for your reply.


What do you mean \"put off\"? Usually after you file your answer the lawsuit follows fairly quickly. You should be negotiating with the law firm suing on behalf of Citibank now.....
NCO works a lot of accounts 3rd party.....debts are not always sold.
You can do debt settlement yourself. You are wasting mone paying someone else to do it.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

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