Originally Posted by
brads94accord
what you can also do..if you said you haven't paid in a while..depending on the company...we offer whats called a "cure"..i work for chase and i take some collection calls too on top of my normal cust service calls..basically handle anything until its charged off.. the cure can be one or two months and basically for a two month period for example they give an amount for a payment to make for two months that must be made by the due date. for expample you have to pay $450 this month and $450 next month..since you said you have a steady job and you have the willingness and ability to pay now. and upon making those two payments your account would be brought current so the collection calls will stop and letters etc..of course the mark will still be on your credit. but then you can make a normal monthly payment. you can also ask them if they can offer you a settlement..we usually start offering them once you are a certain amt past due...depending on how far PD you are they could even go down as far as 70% of your current balance. then they will give you a form to sue on your taxes at then end of the year for the forgiven debt.
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