Two Accounts to go and I need advice!
Date: Mon, 12/15/2008 - 12:00
Submitted by lisaawilliamson
on
Mon, 12/15/2008 - 12:00
Total Replies: 2
I have been working to settle my own debts after being ripped by Sifxpert.
I recently was given a sum of money and used it to settle 4 of the 6 accounts that James didn't do. My last two, however, are being difficult and I wondered if anyone could help.
I had three with Chase and settled two of them last week. The last one, the smallest amount of ANY we had (!), won't budge off of about 65% and I just don't have that left. They had offered 50% last July throught NES and I was a few hundred short then. Now, I have the 50%, but the girl from Mann Bracken says that they won't take that and Chase won't make those kinds of settlements "this time of year".
Should I keep hounding? Or wait for July to roll back around since they evidently take 50% in July...?
They gave me three different totals in two days. Who knows what the new number will be when I call back.
Also, the other one to finish is Citibank. When we stopped paying them, the balance was $8800. Now it is over $11K with fees and all. They want to reduce me by 30% and offered right at the $8800. I told them I didn't have that. I had heard that they would settle and stretch it out over payments.
The four I settled last week weren't bad. Discover was the nicest and settled for the least. These last two..anyone have any thoughts? Should I just let them wait a bit longer? We haven't made any payments in just over 2 years; I thought they would be more eager by now to get something done with them.
Advice?
I recently was given a sum of money and used it to settle 4 of the 6 accounts that James didn't do. My last two, however, are being difficult and I wondered if anyone could help.
I had three with Chase and settled two of them last week. The last one, the smallest amount of ANY we had (!), won't budge off of about 65% and I just don't have that left. They had offered 50% last July throught NES and I was a few hundred short then. Now, I have the 50%, but the girl from Mann Bracken says that they won't take that and Chase won't make those kinds of settlements "this time of year".
Should I keep hounding? Or wait for July to roll back around since they evidently take 50% in July...?
They gave me three different totals in two days. Who knows what the new number will be when I call back.
Also, the other one to finish is Citibank. When we stopped paying them, the balance was $8800. Now it is over $11K with fees and all. They want to reduce me by 30% and offered right at the $8800. I told them I didn't have that. I had heard that they would settle and stretch it out over payments.
The four I settled last week weren't bad. Discover was the nicest and settled for the least. These last two..anyone have any thoughts? Should I just let them wait a bit longer? We haven't made any payments in just over 2 years; I thought they would be more eager by now to get something done with them.
Advice?
Try again in January....historically January is one of the toug
Try again in January....historically January is one of the toughest collection months as everyone overextended themselves for the holidays.
I am going to give that a try. I'll wait and see. Thanks!
I am going to give that a try. I'll wait and see. Thanks!