if i owe on a credit card and they put a lein on my house do they keep charging interest on the loan

How do you settle multiple cards with ch@se? Let's say you have 4 cards and one is with an external CA (none charged off). 1. The 3 cc's have a balance of 2k, 4k, and 6k. Ch@se talks in percentages for settlement, and won't lump the accounts together. And want 40%. But what happens when I tell them I only have $1500 borrowed to settle?

settled 3 accounts over $40k @30% in 3 payments. They have these threshholds stamped on the accounts and reps cannot budge. Still a great settlement given what boa can do if they want to. Now settled about $150,000@ 31%. Only Amex/NCO was a 35% and WF, BOA, Chase were at 30%. I don't think I have the patience to do this as a job, but it was certainly worth the effort on my own. Only ONE card to go....Visa (regional bank) they refuse to charge it off and no settlement at $21k. Update: the referenced regional bank IS settling cards.

30% of $20k in a lump sum at 180 days. It was tricky as they wanted 40% firm. If I needed 3 payments it was 50% without any possibility of negotiation. I just crossed $100k settled at average 31% on my own with the help of you on this board.

How have you dealt with the fact that when staggering settlements,and let's say you have 10 creditors, staggering them one month in between, and when you get to pay creditor #9, they see you payed creditor #1 over 6 months ago, so why can't you pay them, or whatever questions did they bother you with? How did you deal with those situations.

I got a call from Allied Interstate, Inc. stating that they're doing the collections for AMEX. So I'm assuming AMEX still has the account, but AI is doing the collections. Account is 120 days pass due. Rep said AMEX wasn't offering any settlement at this point. I told the rep the whole situation... this is my mothers account... health issues, no inc, etc... She told me to write up an e-mail explaining situation and she will go back to AMEX to see if she can work something out. Has anyone heard of this? A hired CA gonig back to OC to try to work something out on my behalf??

I posted my situaton on here last week and can't find it, had a great guy named Paul give me some hope and guidance, so figured I better take it.I took a couple of days to do some research and face the fact this has to stop, the cycle will not stop on it's own I looked at a lot of scenarios but none would work.

Hi all, I really need help! I have had payday loans on and off forever and really want to be rid of them once and for all. These are fairly recent since I keep taking new ones to pay old ones, horrible cycle :( Any information you could give would be very much appreciated.

what if i miss the 30 day period of getting the 1 st letter out,do they still have to stop anyway or what?

Hello, I've sent a debt verification to a collection agency but the reply came from the OC. I didn't expect that so I'm not sure how to proceed with the CA. Ideas?