Eric's Beach Mix

Delinquency on credit cards - Debt settlement - Fees Debt settlement companies will  charge15% of the total debt amount  spread over 18 months or a percentage of the settlement amount (20-25%) So for example, your debt amount is $10,000, your monthly payment is $150.

Handling collection agencies - What they are not allowed to do or tell you -harassment (shouldn't threaten you, share your info to others, curse or use abusive talk, etc.) -false statements (shouldn't claim to be lawyers if they aren't and shouldn't indicate that the papers sent you are legal paper...