prettymono
Junior Member
What is the name of your state? MN
Let me first say, if you are 18 years old, do not get a credit card and do not get a Discover Card.
Okay, so I have had Discover Card since I ws 18, and am 25 years old now. I stopped paying in April 2007 and, obviously, have been getting calls and letters. Well, I received a letter in the mail that said at the end of September they were sending my account to an attorney. I called them today and said I had to make a huge payment otherwise it was going to the attorney. I couldn't make the payment, so I said if that is what has to be done. Now, it is about $6,000 (has been the same amount for 7 years), and I do want to pay it. I made the debt, I want to pay it off. When the attorney contacts me, which I am assuming will be less than 30 days, can I contact the attorney via mail asking for the payout amount and get the cash to pay it off without having the judgment/court intervene?
Also, what does a judgment do for a credit score? How about when the credit card sends it to an attorney?
Oh, and I did ask for a payout amount and they said 60% was the best they could do, even though they could do 40% in July....I am kicking myself right now...
Thank you in advance!
Let me first say, if you are 18 years old, do not get a credit card and do not get a Discover Card.
Okay, so I have had Discover Card since I ws 18, and am 25 years old now. I stopped paying in April 2007 and, obviously, have been getting calls and letters. Well, I received a letter in the mail that said at the end of September they were sending my account to an attorney. I called them today and said I had to make a huge payment otherwise it was going to the attorney. I couldn't make the payment, so I said if that is what has to be done. Now, it is about $6,000 (has been the same amount for 7 years), and I do want to pay it. I made the debt, I want to pay it off. When the attorney contacts me, which I am assuming will be less than 30 days, can I contact the attorney via mail asking for the payout amount and get the cash to pay it off without having the judgment/court intervene?
Also, what does a judgment do for a credit score? How about when the credit card sends it to an attorney?
Oh, and I did ask for a payout amount and they said 60% was the best they could do, even though they could do 40% in July....I am kicking myself right now...
Thank you in advance!