My sister owes 18,000 to MBNA. The account was 4 or 5 months behind, but they talked her into letting them draw payments from her bank account for the last 3 months. They are no longer going to be able to make those payments ($400/month). I'm going to help them out if we can get a good settlement. Can someone give me a contact and dept? Also is it best to call or send a written offer and do we need to stop paying all together for a few months before we offer?
There is also another debt, orginally with Chase for around $15000.