Originally Posted by
herangel
I had a discover card opened when I was a young adult with my father(about eight years ago). As of a 18 months ago he stop paying on it even though the charges were made by him. Now I'm trying to take a step towards bussiness ventures and this and some other things are on my credit are present. I have the option to pay in full or settle in full. Which one is the best to do. (I am taking certain steps with my father as we speak.)
What are the terms for settling... make sure that the company will change your credit record to indicate the debt was fully satisfied and not negotiated or settled... have them change the amount due to the amount paid...
If you are both adults, and self-supporting - contact a lawyer... or consumer advocate... you may want to have his credit record take the hit and not yours...
