My husband had debts when I first met him and was dating him and I helped him out making it a six month full time job negotiating settlements, writing letters, and paying them off.
On the 30,000 most of that was the interest that had accumulated over seven years.

As far as that other board is concerned, I was that person and I never once posted anything derogatory against any collection agency.
I found them to be easy to deal with and had no problem with them at all. Why would I have? I am the one that called them after 7 years and stated I wished to settle for my husband on his outstanding debts. These agents were very surprised, not to many people call after this amount of time and offer to pay.
My husband was not getting calls, not getting letters, we were living overseas and they had no address or phone number.

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