Quote Originally Posted by JITB
i talked to one today, and the guy wasnt helpin at all. he pretty much was sayin pay the 1100$ or pay nothing...lol i tried to reason with him, but i ended up hangin up.

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.
Bold is the answer to what is going on, DO NOT TALK TO THEM! It gets you nowhere, you're not dealing with the credit card company you are dealing with a debt collector. Mail is the only way to correspond and im serious, you need to post this on the Clark Howard message boards for Carrie Muller she will tell you everything you need to do.