Debt Elimination Companies

So I checked my credit report and found something on there from DEBT RECOVERY SOLUTION for sprint.? for only 79.00 I called sprint and the lady said she didn't see anything, but yet she kept asking if it was for only $4.00 I told her no it was for 79.00 and I wanted to know why it was on my credit report if we still have an active account with them? She could never find out what was going on...Has anyone else delt with this before? Thank you for the help everyone!

I received a collections letter for $6500 for a Sprint account I never had? They only had my name and former address. I called them and they hung up on me when I refused to give them part of my SS#. Sprint confirmed that the account did not exist but wouldn't do anything about it. I have read horror stories on line about this company. They are called DEBT RECOVERY SOLUTIONS, LLC. It is not on my credit report but I am concerned that it could end up there/.

i will enclose a little info about my credit report, below is what my credit report looks like:? On Experian: 1.ARROW FINANCIAL SERVICE DateOpened: 12/2005 Status: Collection account 2.Bally Fitness DateOpened: 04/2005 Status: Open/Past due 180 days. 3.DEBT RECOVERY SOLUTIONS DateOpened: 07/2005 Status: Collection account. 4.GEMB/DISCOUNT TIRES DateOpened: 11/2004 Status: Account charged off/Past due 150 days. 1 and 4 are the same but was sold to Arrow finnacial. Now on my transunion its the same items but on equifax there is only one item reported, whats the bet thing to do to to get a better score based on the info i provided ?

Has anyone heard of solutions finance card? Basically my little boy got to the post delivered before i did yesterday and opened all of the letters,one of them was from Capquest debt recovery saying that they had purchased a debt from solutions finance card, except it was not my name on the letter.I do know the person however and they live a few streets away from me.What i really would like to know is how my address got used as most loans/cards applied for nowadays have to have identification shown (eg utility bills etc).Would this have been the case or could it have been used as a forwarding address?

Need some good solid credit advice!!? Tyring to get a low interest rate mortgage and the rules state no collections are allowed unless paid 6 months prior. A verizon bill from 2002 went unpaid and was incorrect, I disputed they removed. Now I find out that Debt Recovery Solutions purchased the debt and dated it as 2007 on my credit report. I do not believe this is legal under the FDCRA, and I even offered to pay 70% to remove (they wanted check over phone I want agreement in writing). WHat are my options, should I argue that the debt occured in 2002 and should be aged out or is it legal for me to write a check with a date 6 months ago so as I can clear this up and get the mortgage..... Also hve a 153.00 Medical collection on my account. I can pay in full but need this off my credit six months ago. Again, can I write the check with a 6 month prior date or is there another way to remove a medical bill??

Can I ask a collection agency to buy my account from another agency? Here's the story: I have a severely past due account from Sprint (my first cell phone=ripoff!) in the amount of $652.00. Debt Recovery Solutions had my account at first but I wasn't able to pay them at the time. Now Jefferson Capital Systems has bought my account from DRS and offering me some kind of "credit card" deal consisting of me accepting their MasterCard and paying off my balance in full. They say if I'm late with a payment they will give negative reports to the credit agencies. Today my sister received a letter from Arrow Financial Services and they are offering to settle her debt (from a credit card) of $715.12 all for $286.05! I was wondering could I call or email Arrow and ask them to buy my account from JCS so I can get a reduced settlement deal like my sister's? Keep in my that I am a full-time college student so I'm kind of broke!! I know it sounds weird but I would be able to make a smaller payment to get my credit report back up to par. Any help?

Help with credit report, identity thief? Someone open 3 phone accounts with SS number (2 on Sprint PCS and one on Verizon) , they only changed the last name. The problem is that every time we open a credit card, a car loan, a mortgage, it shows on our credit report, on this case, it never shows on credit report until they did not paid it, actually this was reported by the company Debt Recovery Solutions, in Westbury NY, they are the ones who put the report in there, now I have to use my time, getting all the paper work from the last 5 years (which I have) and submit it to them, so that they can clean my report. Can you believe this, I feel like punching someone, oh, and file a police report. what is the best way for us, and I mean ALL of use to protect against this stuff, I even pay a service to protect my credit, but how would they now if the phone companies don't report new accounts to the credit companies. It should be mandated that anyone who asks for our SS number to open an account or service, to report it to the credit report companies, so that we have a warning

Wuold you say the stimulus plan was just a temporary fix? We are on the path to recovery but we traded in our future to get there. We are going much much further into debt. No real permanent solutions to prevent this type of thing in the future. Kind of like a heroin addict taking a few tiny hits to hold him over and prevent withdrawl symptoms from kicking in.

Legal advise for personal debts recovery? Actually I am writing in behalf of a friend , so I hope I can get effective solution from you regarding the problem she is facing now. Problem Years ago, my friend borrowed certain amount of cash to her ex-boyfriend which the amount is huge.This guy who promised to return her monthly but he is not fulfilling his promise and is trying to avoid and ignore my friend's calls of demanding of the owed amount. My friend need this amount back urgently for education and medical expenses. She is currently working as a sales person in a furniture shop with low income. She felt helpless and do not know what else she can do to get the amount back. Therefore hopefully you can provides some help on the problem she is facing. She is thinking to file a small claim on court against this guy but she do not know the procedure and what kind of documents she need to provides. According to my friend, as this guy was her boyfriend, there was no IOU letter or any letter to prove the loan. what she has is a voice record of conversation between this guy and herself on Oct 2009 saying about the owed amount and this guy admitted the owed amount and agrees to pay back in due time. This guy does not mention exact date of returning the amount owed. There is also this trading document which this guy claimed that it is a form of trading some particular copier. This guy borrowed a certain amount from my friend again for this trading who promised a good return which was not fulfill too.She managed to request back a certain amount from him but there is still outstanding amount. From my understanding from my friend , this letter has both signatures on it for the trading. But my friend's signature was forged by this guy. My friend is not invloved in the trading right from the beginning but only came out with the money. She felt that she is been cheated by this guy from this trading. All the family members of this guy knows about this issue too. I wonder they can be the witnesses for filing the small claim. Please kindly advise.

can anyone tell me when will i see money and recovery from debts? i am born 12.6.1974/hyderabad/.00:06:00.And my life till date has been a ups and downs unimaginable sorts.Right now since past 1 year i have no source of income ,i dont know how i am managing --must be god up above ,i seriously need to know when i will start earning ,when i will repay my debts,when my courtcase of divorce will be over?anyone there?i have asked this time and again but no one has come up with logical astrology solutions.please help.Also i am into real estate unsuccessfully and i know exactly nothing what is going on...

My catalogue company won't let me pay on the same day every month!? My credit account works on a four week basis, so they expect a payment every four weeks, but I get paid on the last working day of every month. I've tried to set up a direct debit for the first day of every month but they've refused to set this up, and the debt recovery agency they employ says I don't apply for a reduced payment plan. I'm now behind payments and they now not only charge me every time I make a late payment, but add a missed payment to my credit history. They've offered no solutions and I don't know what to do!

U.S. in big trouble, will the rest of the world follow ? your opinion please? <America is obviously in serious debt> Yes, very serious. Yet we must ask "owe what to who ?". <we spend the most on medical care> the pharmaceutical companies generate massive profits and often provide poor recovery. 3/4 of the ppl needing medical care are due to life style choices. <the war in Iraq is costing us millions each year> Actually so far its 1.2 trillion ! So that would be BILLIONS a year. Consider the costs... * $4,681 per household. * $1,721 per person. * $341.4 million per day. Taxpayers in the United States will pay $137.6 billion for the cost of the Iraq War in FY 2007. For the same amount of money, the following could have been provided: 1,070,377 Affordable Housing Units AND the medical costs (mental and physical) for Iraq veterans "Long-Term Price of Providing Veterans Medical Care Could Reach $660 Billion" as well, the "violence carry over" into the U.S. population is horrendous. <we spend the most on education > (yet we are around number 14 in the world), myopic vision destroys understanding <and our production output cannot compete against the superior imported items> U.S. companies move out of the U.S. for cheaper labor, all in the name of "Profits". U.S. wastes valuable resources on destruction of countries to secure oil for the "energy corporations"... Solutions: -Pull out of Iraq . -Create a transparent government. -Have the Bush administration tried for war crimes and "big oil" brought into the whole situation. -Provide China and India with more voting power in the U.N. (after all they have the greatest population in the world, and you're for democracy, right?) -Create a transparent world government, lead by intelligent people (leaders ested for adaptablity, compassion, etc.)

the world as we know it, will end in the next 10 years, (short explanation this time) your opinion? Im sick and tired of yahoo answers..so screw them, and if you don't want to read a long book, fine..Ill just make it very simple: watch this: http://www.youtube.com/watch?v=F-QA2rkpBSY then see what is happening to spending and how tax revenue is really low, and how even with three stimuluses the economy is not recovering. We are a credit based economy as many (most perhaps) companies have been naturally selected through dysgenics to be dependent on high levels of credit since the destruction of the industrial base of the US argurably by china's currency manipulation (putting it lower than it should be). This means if we do nothing, interest rates will rise eventually and lead to an implosion of the private sector. If there is recovery, inflation could raise the interest rates which would implode the private sector. If we raise taxes, we implode the private sector. If we cut spending, congress won't let it because of entitlement programs. If everything goes fine and dandy and we start growing again, oil prices will skyrocket like in 2008 due to peak oil production and a huge gap between demand and production, which will mean we will go back into a recession= the start of a cooling of the growth that we saw at the beginning of the 20th century and since the industrial revolution. Since population is dependent on growth and on artificial life support from cheap oil which allows the food prices necessary to support the populatio....when this paradigm disappears, you ahve the crumbling of agriculture as we know it today since fertilizers, tractors, transportation of food needs energy, and you have increased mass starvation and social strife. one way is to conserve...but cap and trade with the skyrocketing energy prices are unlikely to be passed unles met with catastrophe first.....cap and trade will yes, make energy more expensive, but given, that we waste 80% of energy, this will simply make us more efficient, and eventually pay the same prices we did before....But this will not get passed until a catastrophe hits...and by then it will be too late.. The US economy, unable to support the growth it did in past years....but w ith a mounting debt, together with europe and most nations, will default...leading to the destruction of the US dollar preceded by the stock market...meaning complete wealth destruction (this means we go back to zero). The us will want a global governance where fiscal policy is regulated to avoid the manipulations that lead to the crash and allow a level playing field, while as well controlling growth to manageble levels....the solutions are population control...but given the lack of strong goverments in the erst of the world...I expect this to be very controversial and hard to enforce, which will lead to the diminishing of the dignity and value of human life as growth in population not followed by growth in GDP means more social unrest. I beleive what will precipitate all of this will be the collapse of the US dollar and wealth destruction in the US...which I beleive will happen within 10 years. Hence my conclusion, that the world as we know it, will end in the upcoming decade. if we didn't have price shortcommings...I beleive we would consume all resources by midcentury at current growth rates...at current production levels we will consume the same resources in 300 years....OMG how is that possible? its called the exponential function and it will be explained to you in the video I sent you. however, realize what 'current levels of production' actually means...it means zero GDP growth. Or GDP growth that is not correlated to electricity consumption or production.... However, we will nto consume all our resources in 40 years because prices wil be high enough due to demand to curtail the growth necessary to cause this...This will be bad, in that we will have a substantial decreased standard of living...but it will be good in that we will have enough time to manage the problems instead of everything ending on some date in 2050 although it is true that we can increase GDP by being more effcient with our resources such as oil...with such measures as cap and trade...and even moderate increases in the average of MPG have enormous implications on cunsumption. I beleive the necessary technologies will not come online soon enough to avert disaster in the upcoming decade...as india and china develope...and the US potentially recovers..energy prices will go through the roof, sending the economies back into a unrecoverable recession. again, this means less tax revenues, and given the ballooning spending, will mean a high deficit which will eventualyl increase interest rates...further pound the private sector and inevitably lead to stock market sell off and currency destruction. west of encino...that would suck.. your about to cash in and they tell you the dollar is worthless...your like, god damn it. gladiato... thats why I said, the world as we know it. It could potentially blow up after a deathstar focuses its energy on it. But more likely, it will simply mean that our way of life, will be unrecognizable....this is sad...im sad right now with these damn thoughts. circus beardd lady...please, keep these dangerous thoughts to yourself...the only way we can weather the storm is if we choose hope...if we start thinking like a religious fanatic that its the second coming, we WILL go extinct. Please, I beg you, we need to keep our heads.

Once again -- a solution for the economic doldrums? New projections show little recovery despite the bailouts and stimulus directed toward the banks and corporations, nor do propositions for tax-breaks seem to offer much. Banks in particular seem to have returned to their carpetbagging, raising interest rates and lowering available credit, while continuing to give bonuses and golden parachutes to their executives. Meanwhile, news reports say retailers are already desperately cutting prices to try and bolster holiday sales. In Miami where I live (and am facing bankpruptcy), every week sees new exposures of felony corruption in government, while the State has ingeniously disguised what I would estimate as a 30% real unemployment rate by simply closing all the unemployment offices. I filed online (the only method) and received a refusal of benefits letter which said "...the State of Florida has no record of your qualifying employment...". Of course not. I worked in New York last year. I followed the recorded message after waiting half an hour, only to be given another 800 number which in turn gives another message after another half-hour wait: "Due to the volume of calls, we are unable to take your call at this time. (*Click*)." A dozen tries like that and I realized I was facing a brick wall. SO HERE IS MY SUGGESTION. If the problem is indeed getting money into the public's hands as the experts say -- why not circumvent the banks? Take those people like myself who fell victim to the banks' usurious practices of selling "debt-equity" to one another and charging arbitrary and stratospheric interest rates (mine are as high a 31.4%). Select those who have repaid the principle, say, 3 times over as I have -- and make those debts amnestied by law, either permanently or for a period of time like the eighteen months that the banks were allowed to continue their practices which will become illegal in February of 2010. Or even six months! In my case, that would give me $600 each month to put directly back into the enconomy -- and I am sure there are millions like me. Please, abstain for calling me an idiot for borrowing money at 30% as has happened when I offered this idea in the past. My loans were not "introductory rates" that expired, but fixed-rate below 10% that were sold from one bank to another which set new rates as allowed by the small print in the credit-card agreement; a practice which is now illegal under the law. The most onerous of these was Chase, which took over my card and account when it was gifted all of WAMU's assets by the FDIC. Thus, Chase has collected from me for the last 18 months on a debt for which it paid nothing, and meanwhile paid THEIR bad debt though my taxes, as well as part of the recent $65M "retirement package" given the CEO of bank of America which also holds one of my notes.. That one originated at Suntrust, was sold to MBNA which raised the rate from 8% to 24.9%, and then on to B of A which raised it to 29.9%. I have been paying that one faithfully for 9 years, and -- once again, their bailout and their executives windfalls as well. That's about it. Now on disability, I can pay no more. So, 90 days delinquent, I am facing bankruptcy a age 60 as I said. Meanwhile Chase declared last-quarter profits of $3.47Bn, and harasses me daily for the $2K I "owe" them from WAMU, ruining my credit rating so badly I cannot even get a Christmas part-time at Macy's because of my poor FICO score. Like I said: amnesty the debt. Given the chance with the publicly supported bailout, the banks and brokers have not shown any indication they will rehabilitate. So why not give me, the consumer -- and people like me who have shown good faith by paying consistently over a long time -- a chance to do better? Reuben: Despite the seemingly condescending "just simply", I did enjoy the links you supplied to the Cabalist prophet. I liked his stating his viewpoint in an unequivocal way. The thing is with prophets; from Isaiah to Nostradamus -- what they predict is unprovable before the fact, and often arguable afterward. It's when philosophy begins to call itself science that I get worried. Take Josef Goebbels, for instance. frenzy: Right with you up until that last sentence denouncing President Obama. What has he conceivably got to do with the creation or existence of the Federal Reserve? P.S. frenzy: ...If that's who you mean by "Oma". Unclear to me. It's just a guess that was a typo.

The collapse of the US Will you weep for it or feel the globe liberated from a tyrant? As the world waits for hyperinflation and a world government, Bernanke becomes “Person of the Year by Maurizio d'Orlando Time Magazine has made a premature choice. Economic recovery is either missing or else it is only due to spending cuts and layoffs. Unemployment in the United States and China is rising fast. A solution to the US public debt crisis can only come through hyperinflation, which will destabilise the world system. http://www.asianews.it/index.php?l=en&art=17226 Some readers have been asking about the prospect that a US-led hyperinflation would extend into Canada. The short answer is that it depends on how much of an economic bully the US administration is going to be to its trading partners. Unfortunately, Canada’s export trade is not very well diversified. We rely too much on the U.S. for our exports. This needs to change. Canada needs to sell to a wider variety of nations. http://www.getmoneyenergy.com/2009/03/will-hyperinflation-hit-canada/ The combination of excessive government spending and poor fiscal policy has put us on the road to hyperinflation and is killing Main Street. Free markets are the key to a free people, and there can be no social justice if the people possess no wealth. I hope that America's leaders will realize this truth before it is too late. http://www.washingtontimes.com/news/2009/dec/30/free-our-wallets/ --------- Will the soured American mind set upon its death bed end the globe in nuclear war its last deranged words If I can't have it no one can ------ Will the world become a freer happier place because the random bombings of a nation at war for 60 yrs will have finally spent its last borrowed dollar ? ---- Will there be a new age of America where they return to common sense or will they continue to deny reality ? ----------- Bwanna Here is the former US Treasury Secretary under Reagan syndicated column address http://www.vdare.com/roberts/all_columns.htm Pick the article of your choice Then get back to me about how he is anti American LOL ******** John I hate your answer --- because you are right If people could be woken up --- warned - made to understand a little of the how It could be made to be a very different reality But as you can see --- the average American goes into the night blindfolded running with scissors in his hand There is nothing that can be done about the hyperinflation --- but the blind fold and the scissors could be avoided

Can anyone tell me how we can pay for this? $735 Billion Dollar Stimulus $630 Billion Dollar Health Care Reform $1.1 Trillion in Bailouts (It was 10 trillion, but most was paid back by companies) $4 Billion In Cash For Clunkers Bush Debt: $10.7 trillion Obama Debt (Predicted path by *CBO*): $14.8 Trillion (next four years) Bush Deficit: $400 Billion Obama Deficit (*CBO* prediction for end of year): -$1.85 Trillion Okay, now we have to very dumb presidents give us huge debt and deficits. So how do we pay for it? Tax cuts won't be able to pay for it, BUT if Obama raises taxes--which he has for Capital Gains and the Death tax-- the economy will die! So how do we pay for this? Borrow more from China? Not a "good" idea--since it sounds like China won't always be there to buy our debt. So how? OR will there be eventual tax hikes? Like during the Reagan years and Bush Sr. years... Or will Obama pass on a massive deficit and debt to his successor like Reagan did to Bush Sr. (At least Reagan started to lower it)? So what is the solution? PS: I know you say we have to spend to get out of recessions (not true, but hey it's okay, most on here don't know about economics)... So when recovery eventually comes, will liberals stay quite about the debt and deficit? Or will they learn to shut up about Reagan and stop being hypocrites? source: CBO

What of Pelosi's plan, stimulus number 2 for the year? Having a basic knowledge of how economics and capitalism works, I disagreed with her and GW's idea the first time around. Alas, the plan failed, too many people put it into savings. What makes her think it will work any better this time around? How about we start a letter writing campaign, threatening to fund the opposition by donating our stimulus checks to the RNC? Just a threat, one that would certainly send her back to the drawing board to reconsider a real plan. I know some will gladly take more socialism, but when will it end? How do we recover if our government keeps going further in debt to nurse us along? Why should we attempt a recovery if another check is around the corner? Pelosi and Bush need to dig deeper into finding a solution. Couldn't we just wait until the anointed one fixes everything in 76 days with his economic plan?

NOW WILL ANYONE LISTEN TO ME? November job losses: 533,000 December job losses: 524,000 January Job Losses: expected to be 500,000+ Consumer prices are falling, commodity prices are falling, interest rates are either zero or approaching zero, manufacturers inventories rising. Nearly every sign points to deflation and a classic Keynesian downward spiral. It's all demand driven - unemployed people do not buy more stuff. They cut back on spending, not increase it. The solution is so obvious to me. Why won't anyone listen? Have the IRS cut a $5000 check to every person who filed their 2007 taxes (in 2008). (except those who died since). A lot of people will spend it, which will increase demand and help the economy directly. A lot of people will use it to pay down mortgage debt. This should help to dramatically reduce foreclosures and stabilize those loans underlying the toxic debt held by financial institutions. Many will use it to pay down their credit card debt, which will help to prevent what could become the next misfortune of the financial industry. Only those few who will save or invest it will not contribute to the economic recovery. But this check should not be covered by the government which is already overburdened by debt. Instread, the Federal Reserve Bank would cover the checks without issuing any debt to the federal government. In essence, they will be electroically minting the money without charging anyone for it. And since this is not a "tax rebate" or any such thing, it will not reduce Federal revenues (in fact, I suggest they not even have you claim it as income on next years taxes). This prevents the govt from taking on further debt, stops deflation and get's interest rates off the floor, stimulates the economy exacly as it should according to Keynesian economics, and puts people back to work producing products and services that people are going to be buying. Is there anyone willing to listen to reason? This just in: Employers slash 598,000 jobs in Jan., most since `74; unemployment rate bolts to 7.6 percent http://finance.yahoo.com/news/Employers-slash-598K-jobs-in-apf-14276946.html There were two flaws in Bushs $600 or $1200 tax rebate. First, it was not enough according to Keynesian theory - It should be somewhere in the neighborhood of 5X-10X that amount. The other problem was that it was a tax rebate - which reduced govt. revenues and saddled it with further debt. That's why I propose handing out all that money in a way that does not incur govt. debt or redcuing revenue. Mr. Nice Guy - pay attention - Deflation is the problem now - the opposite of inflation, and expanding the money supply is EXACTLY the best way to fight deflation. http://www.inflationdata.com/inflation/Inflation_Rate/CurrentInflation.asp scroll down to the table and look at the inflation data for Oct. though Dec. January is expected to be a negative number despite a key inflation fighting interest rate being 0%. Saving it would also help - reducing CC debt will prevent the next big hit to financials and paying down mortgages will help stabilize the toxic debt that is killing the financials. It's a win/win situation there. The only one's who will not directly help are those who invest it. Creating jobs will not help as much as you think. Nobody will recall employees or hire new ones when they cannot get rid of the inventory they already have. You need someone to buy that inventory before companies will start expanding production again.

How will you feel when you have to explain why you backed the? Dems Seek Cover to Boost Debt Limit By: Manu Raju October 22, 2009 04:53 AM EST The Senate must soon increase the national debt limit to above $13 trillion — and Democrats are looking for political cover. Knowing they will face unyielding GOP attacks for voting to increase the eye-popping debt, Democrats are considering attaching a debt increase provision to a must-pass bill, possibly the Defense Department spending bill, according to Democratic and Republican sources. Adding it to the defense bill would allow Democrats to argue that they voted for the measure to help troops in harm’s way — and downplay that their vote also expanded the limit for how much money the country can borrow. The strategy has not yet been finalized, aides and senators said. The House already approved a debt limit increase of $925 billion — above the $12.1 trillion ceiling Congress approved as part of the economic stimulus package last February — but Democrats may seek to increase the limit further so they don’t have to revisit the politically treacherous issue until after the 2010 midterm elections. As of Tuesday, the debt stood at $11.95 trillion, staring at senators amid a roiling health care debate in which critics have seized on the potential costs of the overhaul. Unlike those of the House, the Senate’s rules do not allow it to automatically increase the debt with its adoption of the annual budget resolution. That puts senators in a tough position politically. And if the Senate balks at the increase, Treasury Secretary Timothy Geithner has warned that the slow economic recovery could collapse, as investors around the world would sharply lose confidence in America’s abilities to meet its credit obligations. “This president inherited, in some ways, an economic fiasco,” said conservative Democratic Sen. Mary Landrieu of Louisiana. “It’s not going to be a pleasant vote, but it may be necessary until we can get back on track.” Indeed, Democrats are quick to point out that President George W. Bush left President Barack Obama with a $10.6 trillion debt — and that the debt limit was increased seven times in the Republican’s eight years in the White House. But now Democrats are in charge of Congress and the White House; and the Treasury Department reported last week that the annual deficit for the fiscal year that ended Sept. 30 stood at a record $1.4 trillion, with that number likely to balloon under Obama’s policies. With the debt limit about to be eclipsed, Republicans are eager to force Democrats to find the votes to increase it among themselves, putting the majority party in a lose-lose situation and searching for a way to minimize public backlash. “Regardless of the political treachery, I’m more worried about the economic treachery and the monetary aspects of it with devaluing the dollar,” said Sen. Ben Nelson (D-Neb.). Senate Budget Committee Chairman Kent Conrad (D-N.D.) and the committee’s ranking member, Sen. Judd Gregg (R-N.H.), both told POLITICO that appropriators may add the language to must-pass spending legislation. Senate Finance Chairman Max Baucus (D-Mont.), whose committee is in charge of the debt increase, said “oh yeah, it’s a possibility” of adding the debt-ceiling increase to the spending legislation. “I care less how it’s done so long as it is done,” Baucus said. And Conrad said he wants any debt increase to be coupled with language that would create a “comprehensive” process to force Congress to begin making tough choices to cut the debt — something akin to legislation he and Gregg proposed that would establish a commission to study ways to cut the deficit, whose recommendations would be fast-tracked through Congress. Sen. Evan Bayh of Indiana, a centrist Democrat, said he wouldn’t support an increase in the debt limit “unless there’s some mechanism to start getting the deficit under control.” Bayh and nine other Democrats sent a letter to Senate Majority Leader Harry Reid (D-Nev.) last week that called on Congress to approve a “special process” to control the deficit — warning that adding trillions more dollars to the country’s credit card could force a sharp rise in interest rates and cause the price of goods and services to decline while limiting the country’s ability to act on a range of pressing issues. But if that language is attached to a stand-alone bill to increase the debt limit, the House would be forced to vote on the amended version — a vote that House Democratic leaders are eager to avoid. Folding a method to control the deficit — with an increase in the debt limit — into a much larger bill seems to be a more politically palatable solution, several aides said. “Sen. Reid agrees about the importance of dealing with our long-term fiscal challenges and has been talking with Sen. Conrad, the administration and others in the Democratic leadership about the best way to proceed,” said Jim Manley, senior