You need to talk to an expert ora credit counselor having a deeper understanding of the matter to settle theliability with an amount that is far lesser than what you exactly owe. You maysuggest the terms of settlement. You may choose a lump sum form of payment or payby installment by creating a fund in which you will be depositing monthly.Creditors are willing to reconcile a debt for as much as half the amount thatis obligated. Normally, your credit counselor will work with your credit cardcompany in order to achieve a compromise.
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