Credit repair

What should be the key features of a good debt relief company?

I have filed bankruptcy-13. I have electricity bill and phone bill that have defaulted. Will it be included in bankruptcy?

My credit score has dropped down by 30 points within 2 months. I have rechecked my credit report, but there is no negative item on the credit report. I informed this matter to the credit bureaus, but they didn’t give any response. I am feeling very helpless because I don’t want to ruin my credit score. I have planned to buy a car in the next week. In this situation what can I do to protect my credit score?

I want to buy a home. But my credit score is very low: 550. Lender is not agreeing to give me a loan. In this situation what will be my action so that I can get a loan?

I want to file bankruptcy. But I don’t have enough money to afford an attorney. If I want to do it myself, what should I need to do?

I have several payday loans which I need to payoff asap. I heard many times from this forum about payday loan consolidation. Can you refer me which payday loan consolidation company is suitable for me?

I took out 4 payday loans in August 2008. The interest rate of these loans is so high that it will not be possible for me to continue with this payment. Now I have decided to stop making payment. But I don’t want to ruin my credit score. I have tried to settle with the lenders but they didn’t agree. They want the full payment. What can I do? Is there any other options which will help me to protect myself and my credit score?

There are some hard inquiries on my credit report which have dropped down my credit score by certain points. How can I remove these items from my credit report?

I’m disabled and my only income is SSDI. My wife is doing a part time job in a private firm. I have 3 credit cards which are going to collections. My question is if i’m not able to payoff the debts, can they garnish my wife’s wages?

There are some hard inquiries on my credit report which have dropped down my credit score by certain points. How can I remove these items from my credit report?