Hi how long can I go without sending min. pymt's to creditors thier all with citi bank ? im currently 3-months behind and am in a I believe inhouse collections stage. Im trying to save money so I can either go find a good and honest debt settlement program since I found out t & c can not get dell financial service to accept a debt management program. So heres my question HOW LONG CAN I GO BEFORE IM HIT WITH A LIEN OR GARNISHMNET OR JUDGEMENT then I can come in to them and slam them with a one on one settlement or work with a DS company


