Hi everyone.I'm new to the board (well I visit quite often but this is my first post)I need to know where to begin in trying to negotiate with OC's of my cc charge offs.I read the faq's and I looked in the sample letters but nothing really tells me where/how to begin talking to these companies.Should I try to settle or should I pay off the balances in monthly payments etc.I currently have 3 charge offs total amount around $3300 and all of them are within the last year.Please help.
