What is the correct way to negotiate with creditors?
Date: Fri, 05/10/2013 - 04:30
If your accounts havent been
If your accounts havent been paid on in years you can be assured that the debts have been charged off...that usually happens after 180 days or six months. They are more than likely in collections and if they are offering settlements, take the settlement or call in and negotiate a lower one.
Which credit cards do you owe??