Welp, my good people, my settlement plan backfired. My debt was charged-off after only 120 days, now it's in the hands of these... ahem... "people".
The good news is that it was my biggest debt, so maybe I can get a better settlement with them.
I've read all the horror stories about them, but has ANYONE ever actually settled with them?
Any idea of why it was charged off so soon?


