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Posted: Thu Mar 01, 2007 11:48 am Subject: Settling Citibank / Zales Card

Hey all! Here is the story, I had a fiance which we obviously broke up 2 years ago and she never gave the ring back. She is somewhere in NY now doing whatever but the ring was never returned. Now i have this zales credit account that was like originally 1,200 some dollars bumped to 1,600 dollars (went down over the year but i lost my job in september and fell behind 90 days and resubmitted to debt management which i'm back in thankfully). I'm looking to see if anyone has successfully settled a Zales card which is technically citibank or if there is an option to pay this off. I keep getting screwed by this girl and i havn't talke dot her in two years. I want to pay this ring account off. Any help would be appreciated! Very Happy

Posted: Thu Mar 01, 2007 3:35 pm Subject:

Get the latest statement of your account from the credit card company. Then you need to put your proposal in writing and negotiate for a settlement. Keep a follow up on the phone for knowing the current status of your negotiations. This is not a big account for them and there are chances you will settle it on your terms. Keep trying. You will be through.

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Settling Citibank / Zales Card

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