Best answer from question by AnnieB:
Answer by Adam
You can start with the Consumer Credit Counseling site for references. Companies like CareOneCredit and DebtConsolidationCare have strong reputations. DebtConsolidationCare also has a forum where you can share your experiences and talk with others having the same problems.
Good luck to you.
Best answer from question by BizInfoMan:
Answer by BobWang
The 30 days you are thinking about is probably the time-frame for debt validation.
The collection agency can still report the charged-off debt while “validating.”
[Quote]
I. “Is it permissible under the FDCPA for a debt collector to report charged-off debts to a consumer reporting agency during the term of the 30-day validation period detailed in Section 1692g?”
Yes. As stated in the Commission’s Staff Commentary on the FDCPA (copy enclosed), a debt collector may accurately report a debt to a consumer reporting agency within the thirty day validation period (p. 50103).
We do not regard the action of reporting a debt to a consumer reporting agency as inconsistent with the consumer’s dispute or verification rights under § 1692g.
[/Quote]
Best answer from question by guilfordgurl08:
Answer by K O
The same way you would pay them if you worked in the states. You should be able to set it up with your bank.