Is it possible to achieve a low settlement on credit card debt?
I have $60,000 in credit card debt across 3 credit cards with navy fed. One of those being in collections. They sent me a settlement offer of $12k over 12 months of payments. Think I can get them to go down to $8-10k? And is it possible to do it with the others even though they aren’t in collections?
I also have $2k in other debt in collections. I’m 27, i was stupid at 24 and have just been paying the price since. It’s just time to take ahold of my life. My credit is too poor for debt consolidation and I struggle month to month