HSBC, Discover and Advanta

We did not have any luck trying to deal with hsbc by ourselves. We ended up adding them onto our debt settlement program. They would call 3 times in a row every hour or so. When we tried to talk to them, they sounded sypmathetic, wanted to work with us. One lady even gave me some numbers to call for credit debt. Said that is what they suggest doing if we are in trouble. but then we would call back in a couple of days and they would have no record of our calls.She also said that since it was a Yamaha credit card that we could use debt settlement and they would not repo the 4 wheeler. But they sent people anyway to pick it up. We no longer had it, had sold it to pay another bill. One day we got a nasty message on our answering machine saying that we were avoiding them, not returning their calls. That same day my husband had talked to someone trying to negotiate a deal. We finally had enough. They also have a horrible collections agency. I can't remember the name, but there are lots of complaints about them on this site. They were relentless.