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I am considering letting him handle my credit card debt as well. On point consumer law center in coronia CA.the first two are different form each other. I am still waiting for equifax. I am fairly sure I would qualify for Chapter 7. why?which one is the most friendly to consumers in regards to reporting only completely checked information? thank you for your input:)stevenalohamy wages were garnished but never was informed of court or anything what can i dodo you have any information on the.so far I have been able to get reports from transunion and experian.I just hired an attorney to handle my loan modification and he is andquot;validatingandquot; the debt. I am also concerned about my only vehicle, I have to use it for work. He told me that he could do the same thing with my credit cards.. I have a few years left on this contract.. It is a 2001 P/U truck and I tow a tr. He said that the banks sold all the credit card accounts the same way they sold all the mortgage notes on the bond market.I live in IA and am buying a house on contract.. Has anyone tried debt valid. This is my big concern that they would take the only place I have to live away from me. I pay $549 per month for the mortgage validation and there is no extra charge for the credit card validation.