hi! I have read the F&A board, but Iam unsure as where to start. My credit cards are now through collection companies and haven't been paid in a little over a year. Should I send them (collections) a letter and make them verify the debt? I was thinking of sending a settlement letter, but another member said research first. I am pretty much lost as I have never done anything like this and don't want to stir things us for myself anymore. Creditors call and send stuff everyday. I have been just ignoring them up until now. Thanks in advance for any help or advice you may have to give!!
Thanks! I found the F&A and have been reading up! I will get my credit reports pulled and then maybe post to see what anyone could suggest. (seems like to start with a letter to verify) I am pretty sure these are charge offs. I would love to know what to do about Debt Rescue .... the compnay I went through and paid $1500.00(I know stupid)for nothing!!
