Welcome to Just Answer. I am here to help you resolve your tax and finance concerns. Please feel free to ask anytime you need extra help.
Here is a link to a review of Legal Helpers Debt Resolution:
Here is a link to the Better Business Bureau report on Financial Security Group:
As you will see after reading through the material, one stands out way above the other. I would be inclined to use the second company and to totally avoid the first. However, that choice is yours to make.
While we are at this, here is a review of Mr. Commuta's program:
Just thought you need to be fully aware.
Thanks for your input. I actually found some info online last night and made note of companies that sounded good and with A+ BBB ratings. I haven't done alot with Cummuta's program but had read a good portion of the manual several months ago. It seemed like very good info and I need to start it over again. My husband needs to read it too. Then we can call them to schedule a consultation with a coach for ideas and advice. I don't know enough about their program yet to say yay or nay, but thanks for the link you shared.
New question: I just withdrew $10,000 from my IRA and know about the penalty unless it's used for medical. I have receipts from my prescriptions, mostly from 2010 that are not yet paid on my credit cards, but would apply much of this money to those cards and reference for myself the Rx receipts. Would this work since they are from 2010, but I haven't paid them yet? (As far as avoiding the IRS penalty). I hope I'm making sense.
Yes, using any portion of that money for medical care (including prescriptions) during this year will qualify to remove that same amount from the penalty. Anything not used in that way, or one of the other qualifying ways, will leave that portion subject to the penalty.Here is a link to IRS publication 590. It is too long to reproduce here. It deals with the exceptions and just about everything else IRA.