My CCCS company just informed me that the lucky debtors who live in NY get to pay an extra $8 per creditor a month fee because they have become licensed in NY. Highway robbery, as I already pay $4.90 per creditor as their fee. Fee's will be capped at $50/ month. Gee thanks We have 3 creditors with them, been paying on time with them for almost 3 yrs. Creditor 1- chargeoff Amex $3000ish balance $91/month payment Creditor 2- 5.99% $3100 balance $185/month payment Creditor 3- O% $2800 balance $129/ month payment Should we suck it up and pay the fee's or can I call them and negotiate my rate the same outside of CCCS? Not sure how they will react if I terminate CCCS, anyone negotiate a deal after terminating? Not sure if it is just better to stay in and pay the fee's rather than higher payments in interest. Any advise?
