This may not be the way for everyone, but it worked for me. We were over $95K in credit card debt, and life was not good. I purchased a tape program explaining how to get out from under the card debt, and I followed it to the letter. I quit paying the cards. Approx. 90-120 days later the calls started coming. I told not to call after 8 PM, and I was always polite (they're just doing their jobs), but I made sure they didn't harass me. After a while they started to make offers of reduced payoffs. I made counter offers (I was very lucky that I had someone that I could turn to that fronted me the money at no interest), and it was amazing what cc companies would accept or the collection agencies. In the end, I paid off all debt for less than $40K. Our credit score went down to 500-600, and credit reports were dinged for almost seven years. We changed our lifestyle, our credit reports are super clean, and our scores are 820+. Recommend that you do this yourself since companies would rather deal with you than an outside source that will charge the hell out you to do what you can do.
... View more
We provide you with a way to opt-out of advertising activities on our websites
We leverage outside service providers who assist us with our marketing and advertising activities. Note: by opting-out of this tracking, you may still see Intuit advertisements, but they may not be tailored to your interests.