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Well, I'm mailing my letter tomorrow. I am composing it today. I also plan to call the creditor today with a counter offer. I'll let you know how it goes. I really appreciate all of your input!!

What do you mean by "fighting the judgement"? I'm agreeing that I owe them the money, I just think it's unfair that they haven't yet frozen the balance. But maybe I misunderstood what you meant. ...

The 80% was their offer. I then asked if they can do any better than that but they said no. When you said to try a counter offer but only if they freeze the balance, do I have the power to do that,...

I plan to pay them. I tried to get them to offer me a settlement, but the best they can do apparently is 80% in one lump sum. I can't afford to pay out a lump sum, therefore, they said I have to...

I have other creditors, but I'm current with all of them - another credit card, student loan and a car loan. I don't know if I filed chapter 7 or 13... what is the difference? Thanks again!

I have just received a notice from my local court that an old credit card account I have is suing me for payment. The account is currently with its' third collection agency. The second agency...