charge off

Posted by new at this...charge offs (172.172.80.94) on July 29, 2003 at 20:41:04:

i have about $24,000 in debt with more than 7 credit cards, that i cant pay due to unemployement, the creditors charged the debt off. now after 9 months of calls and letters i sent them settlement offers, will that work , any suggestions on how to handle this ?

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