| Hello all. I am about to get married in June. Back in 2008-2010 when the current recession was at it's worst, I lost my job and was marginally unemployed for about 2.1/2 years. Since the end of 2010, I've been self employed and just about making ends meet. The recession has affected my profession really, really hard (commercial construction). Most of my debt was accumulated in those 2.1/12 years, times continue to be really tough, but I'm making about 50K a year but the taxes are brutal and I live in a high cost of living area. Plus paying almost $800/month to keep up with the debt. I told my fiancé up front when we started getting serious, about my debt and she doesn't care, she wants to get married anyway. So, I have been talking to a debt settlement company in New Jersey. Here is my question to all and I appreciate any advise. Several people are warning me that a lot of these debt consolidation are scams and to be very wary. In this particular case, the debt consolidation company is offering me a contract, $399.00 in legal fees up front, $150.00 up front and $650.00 payment for 30 months. They'll reduce my debt to about $60% of what it is. People have told me to thoroughly check these people out. I've checked both the agent and the attorney on line and nothing ominous comes up. I checked the Attorney on the New Jersey Bar and he is in good standing. However, I checked for them on better business bureau nationally and locally and nothing comes up. My search for the company turns up very little results. My tax guy says I should pay $30.00 and do a criminal search on these guys. Does anyone have expertise on these things and advise on what I should do so I don't unwittingly get myself into more trouble? These people have been pretty patient, I told them I'm getting married and I need to get things in order with my fiancé before filling and they have not been harassing me, just calling me every couple weeks telling me they're ready when I am. Thanks in advance | |||
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