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My debt settlement story..

Date: Mon, 11/09/2009 - 23:02

Submitted by anonymous
on Mon, 11/09/2009 - 23:02

Posts: 202330 Credits: [Donate]

Total Replies: 53


hi everyone,

I've been reading these forums for the last month and felt motivated to try to do debt settlement on my own before I thought of hiring a company to do it for me. I have a total of 12 cards, with $89000 total in debt.

I was really nervous to start it on my own but it has been easy to settle with Chase and Amex (NCO) so far. I started this entire process on 10/29.

1) Chase, 5 cards, settled at 20 percent. The 1st time I answered their calls in over three months, I gave them a dollar balance to settle one card (most delinquent at 150 days), which was less than 20 percent of the balance. This was Friday and the rep said he would call me back by Monday, which he did. I settled that account and 20 percent on the other 4 cards too! It was so..easy!! Payment plans on 3 cards (3-4 payments), lump sum payments for 2 cards. (delinquent between 110-150 days on all cards)
2) Amex, settled both cards with NCO for 30 percent, lump sum. Amex sent it to NCO to collect the debts but it wasn't charged off yet. I talked to them on 10/30, they said only 60 percent first, then 50..NCO rep said Amex doesn't settle for less than that and I said I couldn't afford that. They called me again on 10/31, I offered them an amount equivalent to 30 percent and they agreed! Lump sum for both accts. I think it helped that it was at the end of the month and apparently, NCO has to show some results to Amex.
3) Citibank, only offering 40 percent right now...153 days late, plan to call back at the end of the month before charge off.
4) Discover, only offering 50 percent--lump sum only, 55 percent--if split in two payments;
It is 150 or so days delinquent.
5) Wells Fargo, only offering 60 percent at 113 days delinquent
6) State Farm Bank Card, only offering 60 percent at 120 days delinquent
7) Bank of America, offered 35 percent at 120 days delinquent, I think I can get a better settlement with them so I'm waiting.

As you can see, I have settled 4 cards so far (with lump sum payments) and 3 cards with payments plan. That is 7 of 12 already. 5 cards to go!!! I am true believer now that I can do this on my own without paying all these fees to debt settlement companies, which will keep me in debt for a year or two and the worse my credit will go with charge offs and such. I plan to be out of debt by the end of March, I am keeping my fingers crossed that I'll be done by then, 5 months flat.

All the reps for the creditors have been really nice and wanting to help...Remember to be polite to them and really give them your hardship story...NCO was harder to please and much more aggressive in the beginning... Good luck to everyone!


How does one rack-up $89K in debt with 12 CC's and not feel guilty about screwing the system? What the heck did you buy with that money? Cars? Boats? Extended Vacations? Do you feel somewhat remorse for abusing your creditors? Sorry to sound so harsh but anytime someone advertises how easily it is to settle their debts for a fraction of what they actually owe, it makes me sick to my stomach. It seems every post on this forum acts like this is OK with today's society. OK, I'll get off my soap box.


lrhall41

Submitted by tap_n_birdie on Tue, 11/10/2009 - 10:44

( Posts: 6 | Credits: )


I will give you my "side". Credit cards were up to date, pretty low interest rate. Cards were used for car repairs, emergencies - nothing outlandish like boats, vacations, etc. Just everyday living expenses when times got hard. Then came a dispute with one of them which caused my account to go late. Low and behold the "universal" credit card scam is activated. This means that because I was late with one creditor, they ALL raised my interest rates to 29.99% which in turn raised the minimum payment thus making it impossible to pay. Phone calls to them were heedless as the universal default is allowed. If I was close to my credit limit, then the additional interest put me over the limit which causes an additional $39 charge. So this is how it happens, over and over to everyone.

Just recently a change in interest rate put me .79 CENTS over the credit limit of $350.... kicking in an over the limit charge of $39 the day before my statement was processed, and the next day ANOTHER $39 over the limit fee because it was a new transaction period.

This is how people get trapped. I figure with the robbery perpetrated by these greedy companies (who, by the way WE bailed out) who've raped their customer with their fees, they've made more than enough from me. Me feel guilty? No, not at all. Proud? not at all...just scared about my financial situation with facing layoff/furlough.


lrhall41

Submitted by aubrey on Tue, 11/10/2009 - 14:08

( Posts: 1203 | Credits: )


"tap n birdie" and "arleen" seem to want, and feel entitled to justification from those of us who are settling. We don't owe anyone an explanation for our current situation, and that information is between us and our creditors. Maybe it will make them "feel better" (since it makes them so sick) to know that many people had to charge expensive car repairs, pay for out-of-pocket medical and dental expenses, or even charge the fuel deliveries - from last year when oil prices skyrocketed. Some people lost their jobs and had to charge their living expenses to get by. Once these expenses were charged, maybe "tap n birdie" and "arlene" are unaware that the credit cards drastically reduced available credit to well below balances - sometimes by thousands, forcing them to go over the limit. Then the credit cards increase your monthly minimum, and add over the limit fees. When people can't pay that, they add on late fees and all follow the universal default rates to 30% + that Aubrey mentioned. And then collect a generous government bailout!

Many factors play a role in Settlement is a last resort before bankruptcy. If you don't already feel terrible about your financial situation and the relentless collections calls, you then have people like "tap n birdie" and "arleen" to judge you, because surely everyone in such a financial position had to have been buying clothes, cars, boats and vacations and doesn't want to pay for it.

Congratulations on your settlement Princess! May the light at the end of the tunnel continue to get brighter for you!


lrhall41

Submitted by SugarSugar on Tue, 11/10/2009 - 15:17

( Posts: 101 | Credits: )


Quote:

Originally Posted by Anonymous
I really could not agree more. I came here thinking I could get some sound financial answers, but reading thru all I see is peole settling for less than they owe an dseeming proud of it.



How about Bank Of America taking from us (the tax payers) 46 billion Dollars in TARP money?

I wonder if BoA Execs feel "guilty" for taking millions in bonuses with OUR money?

Freedom1.


lrhall41

Submitted by on Tue, 11/10/2009 - 15:54

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Hmm...some harsh words from a few of you! Actually, I don't owe a car, boat, or haven't been on vacation in a long time! My Mom has been sick for over 2 years and I have been helping her with her outstanding and current medical bills so she can continue to receive care (she has no health insurance). Unfortunately, her bills are staggering... I also lost my second job too which I've been working for 2 years to help pay off stuff.....Since I have such a large CC balance, there was no way that I could pay my monthly minimums with the medical bills and with my rising mortgage premium, i fell behind. I even lost a lot of weight b/c I didn't have enough money for food some days and decided to not eat to pay my bills. I was so stressed and didn't know what to do. After dealing with this for a few months, I thought of consulting a BK attorney. After consulting with BK attorneys, I really didn't feel comfortable with it and felt that I need to take responsibility of some of the balances too, as well as the huge ramifications on your credit long-term. Also, after consulting with the BK attorney, I realize that I need to take care of myself too and I began to look at different options...Then, I came across debt settlement (I didn't realize it existed), I realized it was worth a try instead of doing BK. Also, I am in the process of a loan modification for my mortgage too since I need to work on that too. I've been lucky that my good friend offered to help me monthly so I have enough for debt settlement..:)

Thanks for the advice about the statements...yes, I did receive them and I know about the 1099's too. That is some good advice that I rec'd from previous posts. Fortunately or Unfortunately, I owe almost double what my condo is worth and insolvent $75,000 so I'm hoping that I will be ok when it comes to filing my taxes...


lrhall41

Submitted by on Tue, 11/10/2009 - 20:06

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Princess22 - WAY TO GO! No judgment here because I too do not own anything fancy, name brand or anything else and the last vacation I went on was paid for by my parents so that I could take my children somewhere. I am so excited for you to have the light at the tunnel. Congrats!

As for birdie and arleen -- I am happy that you haven't been in this situation yet because I can tell you it sucks. But as my parents have always told me 1. If you don't have anything nice to say then keep it closed and 2. People who live in glass houses should never throw stones.... you are on this site for a reason as well remember that. Princess was at least honest enough to spell it all out!


lrhall41

Submitted by tyleeash on Wed, 11/11/2009 - 10:21

( Posts: 143 | Credits: )


Yes I am on this site because I came across it while doing some research for a project I am working on , which is by the way has nothing to do with the forum. I came here by accident , but , I admit I have lurked.
Yes, I am lucky. I am not in the position of the people here.
I earn a boat load of money , saved a lot and am enjoying my retirement at age 54. I travel, a lot but also give to the less fortunate so I am not all bad.
I just wish you all well, and hope things get better for you


lrhall41

Submitted by on Wed, 11/11/2009 - 11:04

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princess, im with ya dont let these people make you feel low about yourself i have been there myself. and frankly i still have nothing i shop at the salvation army for clothes, and have never purchased a new car, a boat? frankly i have only had the luxury of being on one maybe twice in my life.

do i feel bad that i needed settlement? yes and no, yes for getting myself in trouble but no because the cc's made it that way. same thing as above happend to me rates went up payments went up, i could barely afford to live, and honestly i dont feel bad for taking a low % of what i owed to a cc because honestly if you figure out what you have paid them over the years in interst, annual fees, montly fees, and sort i more than well payed over what i charged.

congrads on your great settlements


lrhall41

Submitted by love_my_things on Wed, 11/11/2009 - 11:38

( Posts: 1434 | Credits: )


Good for you Princess22. We too owe about that same amount of money & have been going the debt settlement route. I do not feel like I am "abusing my creditors". I feel like they abused me with the high interest rate that they charged making it harder and harder to pay the bill. For over 20 years we always paid our bills on time and usually the credit card bills were paid in full each month or at the most it took us 6 months to pay off a card for our washer & dryer. But then we had a child get diagnosed with a chronic lifelong illness that requires many tests, prescriptions, various treatments, etc. So the medical bills started. But even then we managed to keep up. Barely but we did. But then our other child ended up with two diseases that also require lots of tests & treatments so even more medical bills. At the moment our one child receives a treatment that costs $20,000 a year. Yes we have medical insurance but first we have a huge deductible and co-pay. My husband is already on much medication for heart issues so we also have his medical care to pay for too. So these medical bills are a ongoing issue. So unfortunately we used credit cards to help pay for things like new tires for the cars, food, gas, etc. Our cars are not nice new cars they are all in the 90's. We do not own a boat. Our vacations are when we have to stay overnight to see the specialist for our children. So no I do not feel guilt when it comes to settling our debt. I really feel bad that the bills had gotten that high & I am currently working on a new budget to help get our finances in control.

By the way I agree with "love my things" that if you do figure it out I probably have paid more than what I originally charged to the credit card company over the last few years with all the fees, etc.

Keep on going Princess 22. I am pulling for you.


lrhall41

Submitted by on Wed, 11/11/2009 - 12:36

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my one creditor i charged 2,000 on it i had a 5,000 available credit they cut my credit down and charged me like a 20 % interest rate. i continued to pay on time minimum payments sometimes and sometimes more. 1 time i became late and now i got late fees, and of course the late fees put me over the limit still i continued to pay and the balance never moved for years. so they got way more than 2,000 dollars off of me. i didnt feel bad for 1 second


lrhall41

Submitted by love_my_things on Wed, 11/11/2009 - 12:44

( Posts: 1434 | Credits: )


princess22! congrats on succeeding on your own!! I have about the same amount of debt, but did not think I could do it own my own...I have been researching several companies but I am scared about all the scams!! so thats why I never gave in. I've been paying the minimums now for about 2 yrs and it will prob take 22 yrs to pay off, pretty much my credit is already ruined! so why not get rid of it in a yr or so!! I cant believe you will be able to pay off so quickly thats awesome. the quickest i found was 3 years!! most of these debt companies say that they have good relationships with these creditors and they can negociate more $$ . but 20% for you is awesome!! whats up with discover?? I have 2 discover cards :>( if you have a moment I would love to talk to you, if you could offer any more advice!! I may try to do this myself if its that easy! thanks so much for your post!


lrhall41

Submitted by on Fri, 11/13/2009 - 13:56

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Let me tell you about discover. I was making min payments until July of last year on all of my cards. Then WHAM the economy started to collapse and my hours at work were cut. I couldn't do it any more. I fell behind and on top of that my interest rates were already up in the 20% range. I researched many companies and found one that I could really talk to and communicate with. I felt good going with them because there is no way I was going to go it alone (I know alot of people say you can do this but trust me I knew I would some how screw it up) Any way my company settled with BOA for 25%. Then we started to negotiate with some of the other creditors then WHAM I get hurt and can't work for 3 months. My company let me skip one months payment to them so I could get some other bills current (mortgage included) Then discover sends me to court. They will not work with my settlement co which by the way is licensed in my state. Because of that discover has put me in more of a financial bind having me make small payments to them until July and them bump my payments in July to an amount I know I can't afford and I did thank that slime ball lawyer for doing so..Anyway my company is going to try to settle with them in June, then they should be done with. I did feel so guilty about not being able to pay these creditors but then after I did the math they made more money off of me by increasing the interest rates on me that no I don't feel bad for just giving them a percentage of what I owe. I am insolvent so any 1099's I get will be a non issue. The great thing about all of this is that I now know that I will NEVER be in that situation again I have resolved myself to not rely on credit cards or loans anymore. I am learning to live on a budget and it's working!!! Stay strong everyone it does get better.


lrhall41

Submitted by on Sun, 11/15/2009 - 06:41

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I read all your posts and I need some advice. I have 2 cc, one with Band of America with a balance of $45,000 and the other with US bank for $25,000. I pay a apr of 8.99 for boa and 7.99 for US bank. I have never once been late in my pymts. But now I have been out of job for the last 6 months and i did get in my savings and pay all the min pymt but now it is just very difficult to make pymts. I talked to a settlement company FDR (Freedom Debt Relief) and they are asking 17% of my total debt to help me settle. I really dont want to pay that % to FDR ao I was reaserching on how to settle your own self. I am worried abt all the harassing calls, threaten to sue and all that which goes with collection..... Please help me with all your advice as to what I should do... Thanks


lrhall41

Submitted by on Sun, 11/15/2009 - 22:34

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IMO you may shop for a settlement firm which would give you a better deal. You may need professional help if don't want to deal with the harassing calls from the lenders. Check with the companies list compiled by this community. Also you can sing up with this site to receive a free debt consultation.


lrhall41

Submitted by SC on Sun, 11/15/2009 - 22:45

( Posts: 3937 | Credits: )


what she is saying is that the settlement co cut is 17% of the total debt which is alot of money. I completely understand your concern and you have a large amount of debt that they may become agressive with you and you sound alot like me then were i honestly could not deal with it all now that im more knowledgeable i would probably have done it myself. so first off my advice would be to read up on do it yourself even if you are not considering it, just so you know what to expect and then decide if do it yourself is right for you.

keep in mind that if you choose a company or do it yourself you are still gonna recieve phone calls no matter what the company tells you. Usually they will tell you not to answer, or direct the calls to them and they will send them another letter stating that they are not to contact you, but trust me they still will try. Purchase a good answering machine. it was my savior!

second thing i would do would be to try and see if you can find a better deal with a reputable company if you decide to go that route i think you will be able to do better.


lrhall41

Submitted by love_my_things on Mon, 11/16/2009 - 06:25

( Posts: 1434 | Credits: )


Quote:

Originally Posted by tap_n_birdie
How does one rack-up $89K in debt with 12 CC's and not feel guilty about screwing the system? What the heck did you buy with that money? Cars? Boats? Extended Vacations? Do you feel somewhat remorse for abusing your creditors? Sorry to sound so harsh but anytime someone advertises how easily it is to settle their debts for a fraction of what they actually owe, it makes me sick to my stomach. It seems every post on this forum acts like this is OK with today's society. OK, I'll get off my soap box.


People hit hard times.... Haven't you noticed the rise in unemployment for over a year? Times are tough! Before you complain about people's debts... Look at yourself and say "How lucky I am" instead pf passing judgment on people. You don't know people's circumstances.


lrhall41

Submitted by Kristi Branstetter on Mon, 11/16/2009 - 14:45

( Posts: 48 | Credits: )


Quote:

Originally Posted by Anonymous
Yes I am on this site because I came across it while doing some research for a project I am working on , which is by the way has nothing to do with the forum. I came here by accident , but , I admit I have lurked.
Yes, I am lucky. I am not in the position of the people here.
I earn a boat load of money , saved a lot and am enjoying my retirement at age 54. I travel, a lot but also give to the less fortunate so I am not all bad.
I just wish you all well, and hope things get better for you


Then why are you even reading here? And stop judging people. You have no clue to what people's situations are.


lrhall41

Submitted by Kristi Branstetter on Mon, 11/16/2009 - 14:46

( Posts: 48 | Credits: )


Quote:

Originally Posted by Anonymous
Didn't you expect interest fees??
You do not want to pay because the company charges interest?
I am confused

It's not the interest wasn't expected .... it is that no one expected it to jump so much .. and then the over limit fees which I can see if someone is constantly charging over the limit -- but to continue to charge on an account that with the current interest will only make it over the limit even more and not once will it ever reach the point of being paid down -- that is what i personally did not expect.


lrhall41

Submitted by tyleeash on Mon, 11/16/2009 - 15:11

( Posts: 143 | Credits: )


i second that! they nail you over and over at every chance they get. and i swear they plan those yearly fees or account maintence fees right when you are close, those 30.00 charges for over the limit, 10.00 charges for account maintence, plus the outragious interest rate its unbearable.

recently i had capital one pull a fast one on me. i have never been late on the card ever. I made the payment (minimum of 22.00) and about 2 weeks later i got a letter saying i missed last months payment. when indeed i had the cancelled check with the bill in my hand so i called them. what they said i did costed me 67.00 in fees and uped my interest rate from a 19.99 to a 25% so when i called them they said my minimum was 23.00 not 22.00 (not true cause i had the bill in had) but they tried to charge me all that over 1.00 i finally got them to fix it all but i paid the 22.00 origionally and still had to pay the 67.00 till they got it all fixed. now they made it right and applied the 67 to my balance on the next statement but i ended up paying them that month 89.00 which is not at all in my budget to do so at the time.

This is how what would have happend if i had been at my limit? you know that bill would have costed me 150.00 at minimum to make right. thats were they are sneaky and try to pull fast ones on innocent people. Becareful there really pulling out all the stops anymore.


lrhall41

Submitted by love_my_things on Tue, 11/17/2009 - 13:19

( Posts: 1434 | Credits: )


princess22,
I am pretty much in the same boat you are in. I was wondering if you called the credit card companies or did you wait for them to call you? Also, how did you approach them? I'm a little nervouse because I really don't know what to say. I was a small business owner and needed to close the store, which is why I can't pay the bills.

Thanks for your advice and help!


lrhall41

Submitted by on Wed, 11/18/2009 - 06:17

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hi everyone,

I'm the original poster of this thread. I wanted to update everyone on what has occurred since then.

I've settled on the following accts:
1. Citibank at 35%, about 178 days past due, few days before charge off, in 3 payments
2. B of A at 25%, about 160 days past due, in 4 payments

What's left:
1. Discover, they were hard to talk to and deal with...but at 180 days, they offered 40 percent. I really couldn't afford that so I declined it. It was sent to their last resort collection dept, i guess Discover charges off after 210 days. They sent me a letter this week asking for info, such as what is a good payment amount monthly and asked if I was interested in settlement. I sent it back and we'll see what happens.
2. State Farm Bank, They have been offering 50 percent for the last month and the same story today when I called them. It will charge off at the end of the month so we'll see what I can get closer to the end.
3. Wells Fargo, they said the lowest they go is 50 percent and that has to still be approved. My offer for 40% was denied by their manager last week. It will charge off at the end of the month so I'll call back again.

I've settled 9 accounts so far and 3 to go! You really can do this yourself!! I've saved a ton of cash doing it on my own :) Good luck to everyone!

In the previous posts, puba12 and homeseller asked about whether creditors called you or you called them. It really doesn't matter b/c if you are behind and delinquent in payments, they will call you and you can just answer or call back when you can. I told them the same story each time and asked for settlement, their current offer and what I can afford. Just take good notes and prepare before you talk to them each time. Also, it helps to know how low each creditor may settle for by reading everyone's feedback b/c you don't want to miss the chance either. Please remember that I've only worked with NCO on my Amex accounts and the other ones were directly with the creditors. I hope this helps, my few cents!


lrhall41

Submitted by on Fri, 12/11/2009 - 23:12

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Im trying for 25% with them on a balance(inflated) of 10,827.00, Im 120 days out.
last offer was 55%, I cant do it even if I wanted to.This is my second Citi to do, the other one had a lower balance due so I could go 45% with them.Im hoping they see I settled the other one(suppose to post to account today) and they will see Im trying to work it out with them and not be a flake .


lrhall41

Submitted by Dana De on Mon, 12/14/2009 - 09:11

( Posts: 88 | Credits: )


I got a Hallmark Christmas Card (seriously!) from Discover a few days back stating they are willing to settled the debt at 40% in lump sum or 60% in 6 payments. That is something new and I have until 12/31 to respond to them. As for WF, they are saying 45% in 3 payments or pay $200 to keep it from charging off on 12/31... I'm gonna wait about a week to see if anything changes. State Farm is still saying the same thing.


lrhall41

Submitted by on Thu, 12/17/2009 - 00:40

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We got 2 Christmas cards from BOA but they're not budging from 32%. The rep said I have 2 more "stage" to go through - I don't know what that means, but I'm taking it that I have more time. I'm glad you got an offer from Discover, 40% is a good offer from them. If you do wait another week, I think they will be more motivated by the approaching holidays and the end of the year. GREAT job so far, keep us posted!!!


lrhall41

Submitted by SugarSugar on Thu, 12/17/2009 - 05:44

( Posts: 101 | Credits: )


hi sugar sugar,
i guess xmas cards is the new thing huh? I thought it was just a xmas card from a friend or something...then, it's from a creditor! I guess they're in the mood for some xmas cheer too! i'm gonna ask discover for 40% in payments...instead of lump sum, hopefully they'll indulge me in the xmas cheer! good luck with your boa!


lrhall41

Submitted by on Fri, 12/18/2009 - 00:44

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Settled on my discover and wf:

Discover at 40% in 4 payments
Told them I got their xmas card offering 40% lump sum and said I can do that but if its spread out in 4 payments..which was quickly approved.

Wells fargo at 50% in 3 payments (that is the lowest they would go)

As for State farm bank, they didn't budge from 50% on the day of charge off. It was either wf or them since I owe them about the same and I couldn't afford to pay both settlement amounts right now. I chose wf so sf was charged off two days ago....I will wait to see which ca it goes to....

11 accts settled, one acct to go!


lrhall41

Submitted by on Thu, 12/24/2009 - 13:49

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Princess22 Congrats!

This is my first month that I've ever missed a payment and your story gives me hope. I can relate to you taking care of your Mom, because I take care of my Dad who is ill. I wish you and your family a Merry Christmas and everyone else too.

Merry Christmas!


lrhall41

Submitted by on Thu, 12/24/2009 - 14:59

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Princess22 you have inspired me to pull myself together, and work hard to decrease my debt. We too have fallen on very hard times. In the past we've always made payments on time. We did the credit counseling. The DMP saves us only $5 per month off what we're struggling to pay now. We're literally in the negative every month. Probably should have done this 2 years ago. Husband was injured, his business closed, and I took a government mandaed pay cut. I'm thankful to still have a job. Anyway, we signed with a Debt Settlement company. But, now I've decided to cancel. Fees up front, all the red flags I'm reading about on this site. I'm going to save up and hope to settle with creditors/collectors. They deserve the money instead of me giving it up as fees. I hope it goes as well for us as it has for you. Please update your post as you settle more accounts. What an inspration your settlment story is for me.

We have (1) BoA, (2) Chase, (1) Advanta, (1) First Equity, (1) Home Depot, (1) Macys, ad (1) credit union visa. Anyone have settlement with credi union? Thank you.


lrhall41

Submitted by on Sun, 01/03/2010 - 21:18

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Settled B of A 2 cards combined 40K settled at 25% 3 payments, letter in hand before first payment, money taken from Debit card, new thing they just started doing.Be care ful as they hadnt taken the money on the day they were suppose to, good thing I called, they had to send it thru again it finally withdrew the funds.
Settled Citi Business 7K plus balance, for 3K 54% letter in hand before payment (did lump sum)Sent them a cashiers check over nite.
Now last settlement is a Personal Citi card.. they have been the hard core ones,BUT they are softening to my 30% offer on 11K, one lump sum.. They however will not do a pre settlement letter.They give you a 1099c saying it is paid in full.I wont know til Tueday if they will accept it or not but a rep said it is looking good.They did a hard credit check on me on the 29th of Dec.. so they will see Im not pulling thier leg when they see the lates on the others.
I sure hope they do then I am so done!Yippee!Drinks for all lol (on me) cash only please..


lrhall41

Submitted by Dana De on Mon, 01/04/2010 - 18:53

( Posts: 88 | Credits: )


Thanks for the response princess22. If its not too much trouble can you summarize what cc you have settled at what % and how many days past due? It would be a huge help. I'm trying to do this on my own but have gotten some pretty nasty people on the phone and I really don't want to get discouraged.
Thanks again and Happy New Year!


lrhall41

Submitted by on Tue, 01/05/2010 - 09:14

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