At the advice of a credit counseling service that is non profit I made arrangements with the 5 credit card companies I had cards with. BOA is the only one that is not paid off in full to this day. They actually collected 300.00 per month for one year while they decided whether they could accept the agreement. None of which went for the balance. I have paid over 5000.00 and still my balance has not gone down. It is the only card service which was unwilling to work with me to get my debt paid off. They are predators.
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