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.
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