Quote Originally Posted by tony
Are they calling and hassling you? If so next time let them know that all correspondence needs to be via mail. How old are the debts? If they're more than 4 years old then theres nothing they can do to you.. if not they can still sue you. DO NOT CONSOLIDATE IF THEY ARE CHARGED OFF!

You can do this yourself, what you're going to do is make each one an offer in writing to settle each debt, generally between 6 weeks to 3 months. I really suggest going to the message boards at clarkhoward.com and post this information for Carrie Muller.. she will tell you exactly what you need to do.

i have one of them calling me, and 1 is more than 4 yrs old... but the others arent.. but one is getting to that 4 year point. i have got a few of those letters saying pay this amount (amount ont he account minus the fees) and the debt is settled. But they always come when i cant pay. and ont he phone its pointless talkin to them. ill check the forums out tho..