Quote:
Originally Posted by scottmandue
I met with a friend of the family last night that is a retired financial councilor and he seemed to be under the impression CC companies only negotiate if you have missed several payments.
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A friend looked into this. First thing the "councilor" told them was to stop making any payments, to intentionally get behind so that the CC companies would be willing to negotiate. And to start paying the councilor a fee.
After one meeting they decided it was basically a worthless scam. Paid off the cards on their own and are very well off now.