How long does debt negotiation hurt your credit rating? Is it worth it in order to become debt free ?

Can you answer vans’s question about Leadership Development?:

Any referals of companies that have worked for you? any impartial websites that rate the companies?

Innovation Process Management

do you have to pay taxes for debt you got wiped out with debt negotiation?

Can you answer Laura P’s question about Leadership Development?:

i read that if you saved more than $800, or something like that, with debt negotiation, that it gets reported to the IRS and youre liable for paying taxes on it. is this true? if it is, whats the benefit, then, of doing the negotiation if youre going to have to pay 30%, or so, on taxes? i dont get it…

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