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How do I settle my credit card debt?
I just talk to one of the collection agencies about settling. I asked her how much she would settle for. I owe $6,000.00 and she said I could settle for $4,000.00. I construe I can settle for much lower, but I don't know how to go in the region of it. Any advice would be beneficial.Answers: Look into using a credit counselor. This site has several different ones, and lots of positive information.
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Discharge mortgage process in Canada and fees, do i need lawyer,if yes what the average lawyer charges?
Answers: This depends on where you are located. The mortgage process will differ slightly for each province or territory. Generally speaking the bank handles the discharge process when your mortgage is paid off. It can sometimes take a few months for you to receive the discharge papers though. Generally the average discharge fee is around $250 and it is included in the payout the bank gives you. You normally shouldn't need a lawyer if you are simply having the mortgage paid off. If you are selling your home privately you may want a lawyer or notary familiar with the process for your own protection but if you are using a realtor then they should be directing you on the process.