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Discussion in 'Credit Talk' started by Twen0, Apr 18, 2001.
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Don't know if it would work with them, but I just call them up and tell them that "I don't have a signed contract with them, only you. I will not do business with anyone other than you. As I am on the verge of bankruptcy, I want to TRY and pay off all my debts. If you are unwilling to work with me on this, I will need to file BK. Lets see what we can do..."; If it doesn't work, try it with the manager.
That has worked for me once in the past (1 out of 1)...
How much did you owe to begin with?
Original amount was $3180. Debt is being settled for half. I'm not trying to settle the debt because it's for half, I'm trying to settle it to improve my credit rating.
If you do settle, get the offer in writing that it will NOT be reported as a settled account.....get them to remove all negative and have it either not listed or as a positive. I settled, thinking it was better than a charge off and it really didn't help me as it was reported as settled.