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  #1 ()
typeJeplay : It is 2 diamonds. Cut: ideal round, the colorring is G or H, and clarity is SI-1 to SI-2. They're only .12 cttw, but they aren't the main gemstone in the ring. So with how small they are and the description I gave you, do these diamonds sound decent?

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  #2 ()
Gromisilsss : get rid of credit card collections. get rid of credit card collections
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  #3 ()
goodevry11 : Pay them what you owe.

They'll go away, I guarantee it!
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  #4 ()
Escossebroods : pay them off through full or settled payments
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  #5 ()
Appaniadutt : Pay them. You can probably negotiate settlement of 25% to 50% in a lump sum, depending on how old the default. Forget payment plans. Better to save up for a lump settlement. Get it in writing and don't give the collector direct access to your bank account.

Many credit cards and the collection agencies that specialize in buying up defaulted credit card accounts will sue you to collect, even for relatively small balances. Some cards like CapOne, Citi, and Chase have in-house collections and will very aggressively pursue collections. You can pretty much expect a summons for a defaulted CapOne account.
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  #6 ()
Knoprubsop : Sure. Pay them off!
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  #7 ()
Blisdibly : i have a really bad credit score and would like to start paying off my debt to get a better credit score. I have no credit card debt but owe things to places like electric companys,cable,banks for overdrawn bank account, etc. I am not sure if i should use a company to help me pay off these debts monthly because I do not know the exact places i owe these debts to anymore. What im asking is what is the best route to take?
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  #8 ()
Sonephede : Don't bother paying someone to settle these accounts. You can do it yourself.

Paying off these accounts will not improve your score or get them removed from your credit. The damage is done and will remain for the balance of the 7 year reporting period, whether paid, settled, or unpaid. However, paid old debt will look better to creditors reviewing your credit report.

You may as well negotiate settlement for as little as you can. You should be able to settle these debts for 25% to 50% in a lump sum, depending on the age of the default. Maybe even less if they are more than 4 years old. Get any settlement agreement in writing and do not give collectors direct access to your bank account.

To improve your credit/score, you will need at least 24 months of consistent, on time payment history. If you don't have open, active accounts, get a credit card, even if you have to get a secured card. Use the card for regular purchases like gas or groceries and pay the statement balance in full every month. That will build credit and avoid interest.
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  #9 ()
qcharlesc : Hi. Speaking from personal experience, the best way to go about this is to handle it yourself.

First thing to do is sit down and make out a list of your debts and exactly what is owed each company.

Next, make out a thorough monthly budget of what you spend. Do not forget to include how much you spend on food, gas for car, etc. Then you can figure out how much you can afford to pay back per month on your debts.

Then call each company you owe money to. Make a monthly or weekly plan and tell them how much you are able to afford to pay back.

It will take some time to pay it all back, but be diligent you'll get there.

Hope this helps.
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  #10 ()
seaggetroks : Get a secured card.
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