Soo, the short of it is, I was irresponsible with credit given to me at a much too tender age and now Im waking up, 20k in cc debt, just now realizing how much Ive kicked myself right in the butt!
What should I do to get this taken care of in the timeliest fashion? Should my approach be written? How much can I settle an account for (percentage wise) if I offer cash upfront, and is it true they'll write it off as paid in some instances? Its 20k, spread out around 3 cards, all fairly equal. I know to do one at a time, and a little about how I should size them up to know which first...
Ugh, I have to let it be known that all of the debt has been untouched this entire last year, I haven't accumulated anything new in about 2. Wow, what I mess I've made for myself! Help!
Thanks in Advance, Rai