I've been reading for a while and am pleased to see the senior members giving real answers--asking questions--and sharing info unlike some forums where they say "get a local lawyer bla bla". If people could afford lawyers they probabaly wouldn't be searching the web so much. Now my questions.

I am administratrix (no will) of estate. Debts include cc turned over to CA (NCO) who have filed claims. Amount <1.5K. Offer today 36 1/2%. Sending paperwork. I'd like 20% but they say too low. They say Original CC is Sears-but claims say LVNV Funding LLC. I've heard nightmares about NCO. So

Should I believe OC is sears? Should I say I want verification? (I know sears was indeed a debt but the amount is much inflated by stupid charges) Should I just send back a counter offer? What per cent? Should I demand wording in the settlement agreement (or should I write one) that says "without recourse"? Funds to pay debts will come out of someone elses pocket as the estate is small--but the heirs want clear deed etc so transfer can be made and don't want to chance a forced sale. I'll have other questions later but please give some input to this. State is Ky. Thank you for help and info. Clydeb

You need to post this in the credit forum where people will see it and respond.

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The Answer is 42!!

Iam Interested In Removing Bankruptcy/ Off Of My Credit File..?

Please Any Info/ That Really Removes This..?