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Need Advice Quick!!!


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Posted by Frustrated (63.36.95.181) on September 02, 2002 at 00:30:32:

I live in MO and started using CCC (Consumer Credit Counseling) in early 1999 and been sending payments in every since. I have currently paid off 3 of the credit cards to $0 amounts and am now trying to delete them from my credit report.
CCC charges me a $10 fee each month and I send them $337 for payments on debts (the $337 includes the $10 fee).
1. Fleet - Balance:$1267 - Paying $92
2. Fleet - Balance:$621 - Paying $45
3. First USA - Balance:$576 - Paying $35
4. Citifinancial - Balance:$6,000 - Paying $128
If I can find out what the original minimum payment would have been with the creditor, would I be better off trying to deal with the creditor directly or continue with CCC? I know I do not have the funds to pay off the $6000 debt, but can I negotiate on a lower balance since I have been in good faith in paying them?



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