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I signed up with Langhorne Debt Solution and they are wo.I need some help with the tax consequences of settling credit card debt..if a creditor sues me in court is this money exempt or can they seize it alsoI am trying to improve my credit score and figure out which method is more effective. I do have several payday loans still pending but I have just recently settled with 3 or 4 of them.. There are several negative reports, but I know of other debt that is not even listed., five $1000 collections or one $5000 collection? Just trying to determine if I should pay the big one first, or pay the smaller ones to have less things in collections and then do the big oneI have a dispute with a vendor that has been authorized to debit my account each month.I need some advice on the pros and cons of accepting a deed in lieu of foreclosure in comparison to a short sale. Kennedy, the late Ambassador of the United States to the Court of St. I do not have any other baddies, except for a few late payments that are about a year old. Thanks in advance for your help. I've since paid off my debt - all on time for five years. I read that if you are considered insolvent before you start settling with the credit card companies (your debts are more than your assets), then there is no tax consequence of the settlement. According to my bank, the only way I can stop this monthly payment is to either have the vendor cancel the automatic debit, or close the account.Finally I have been able to pay off the judgment in full. The