Credit repair

Received collection letter from Niagara Credit Solutions, Inc. Anyone heard of them? They are the 5th CA to have account. so far no validation from any.

My wife and I are currently enrolled in a debt management program and after reading that a debt management program may be just as bad as bankruptcy I am a little concerned. The debt management company charges me 55.00 per month to handle my debt. What they do I myself can do that on my own by negotiating with the creditors on my own. Would that be a better option or should I just stick with the debt management company?

My ex and I broke up almosy 2 years ago and til this day he hasn't refinanced the car to get it off my name. The car loan is only under my name and I've been extremely patient and have given him enough time to refinance but he claims he can't get a loan bcz of bad credit. The problem is that the insurance is also under my name, he's gotten quite a few tickets, and the most recent thing is he hit a pedestrian.

I have a Wal-Mart/GE Money account that is charged off for $398. It was sent to Portfolio Recovery for collections where I paid it off. The Wal-Mart/GE money is still on my credit report as a charge off, and Portfolio is on there aswell with the same account as a 'Paid off; was in collection' status.

Can one of these be removed?

I received a settlement letter for a debt that was $1336 and they offered to settle for $700, if I pay this as settlement amount will it still impact my credit report or score? Would it be the same as if I paid the full amount?

I am trying to pay everything off now and the letter sending method is lengthy, would calling them and trying to get items removed work?

What is a debt validation letter? Do you have any sample of debt validation letter?

There are 5 items on my credit report which is set to fall off by the end of this year 2012 should I still request that each of these CA's send me validation of the account or wait until the beginning of next year to see if all of the accounts that were set to fall off indeed do?

Can a collection agency start the SOL clock ticking again when it buys a debt?

I have 3 collection accounts on my report. I want to know if I pay them off will they stay on my report as $0 balance or will it be like they were never there?

My spouse has really bad credit and mine used to be really good. My name is not on any of her debt but yet my score keeps going down. I have maybe one or two delinquencies on my credit but not enough to take it down to a 610. Can my wife’s credit affect mine?