Maggie

You can start by asking for a validation of debt.  That MIGHT help, but won't remove the $1700.  That's interest and fees they tack on when they don't collect.  If you make them an offer of settlement, you might be lucky, but be cautious, as creditors record everything and once you ac...

I tried to do it by myself, and everyone kept offering me hardship programs, but no settlements.  I finally hired someone, and did my research.  Turns out there are benefits to using a company, and most of the calls have stopped harrassing me!  Thank God for that!