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Sub: #1 JUST SETTLE 22k WITH AMEX FOR 24.9% LOVING LIFE..
Replied on 02-19-2010, 11:22 AM
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tHANKS TO ALL THOSE ON THIS WEBSITE THAT HELPED ME!!!! I FEEL GREAT

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Sub: #2
Replied on 02-19-2010, 01:09 PM
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Originally Posted by Unregistered View Post
tHANKS TO ALL THOSE ON THIS WEBSITE THAT HELPED ME!!!! I FEEL GREAT
How old was your debt? How far behind were you? Need to know because I'm still trying to figure out what my first step is without being sued by cc companies. Did you stop paying and build up money to settle? What did you say when communicated with them?

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TLEE

Sub: #3
Replied on 02-20-2010, 01:42 PM
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Originally Posted by Anonymous View Post
tHANKS TO ALL THOSE ON THIS WEBSITE THAT HELPED ME!!!! I FEEL GREAT
Did you settle with them direct or through collections??

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Sub: #4
Replied on 02-22-2010, 08:52 AM
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Originally Posted by TLEE View Post
How old was your debt? How far behind were you? Need to know because I'm still trying to figure out what my first step is without being sued by cc companies. Did you stop paying and build up money to settle? What did you say when communicated with them?

Debt was 90days old and i had to write an Hardship letter. Lost my job and havent had any income for a couple of months.

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Sub: #5
Replied on 02-22-2010, 08:53 AM
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Originally Posted by OZZIE69 View Post
Did you settle with them direct or through collections??

talked to them directly and they were pretty easy.

Sub: #6
Replied on 02-22-2010, 09:01 AM
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American Express is whacked. They settle $22,000 for 25% but want 55% on my $3,400. Many have said smaller amounts are harder to settle than the larger ones.

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Sub: #7
Replied on 02-22-2010, 09:25 AM
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I agree, I think they think the larger the debt the more chance of a Chapter 7 BK so therefore the larger balances get the better settlement percentages.

Sub: #8
Replied on 02-23-2010, 08:29 AM
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Quote:
Originally Posted by OZZIE69 View Post
American Express is whacked. They settle $22,000 for 25% but want 55% on my $3,400. Many have said smaller amounts are harder to settle than the larger ones.
You're absolutely right. Its easier for them (the Creditor) to argue down a short payment plan on smaller amounts and justify it.

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Sub: #9
Replied on 03-15-2010, 03:07 PM
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I would call 866-833-6398 they can settle for as little as 20 cents on the dollar.

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Sub: #10
Replied on 03-26-2010, 07:19 PM
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Originally Posted by Anonymous View Post
tHANKS TO ALL THOSE ON THIS WEBSITE THAT HELPED ME!!!! I FEEL GREAT
That is great, but what if you are able to get the interest rates even lower to pay the card of three to five times faster. Email thecreditcoach1@gmail.com telling them your story and watch wonders that they can do for you.




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