I offered to make settlement on an old credit card that had a $500 credit limit. My credit report showed I owed almosy $1100. I offered to settle for 1/2 of my credit limit or $250. and the man, james, thought I was crazy. They probably paid less than $20 for the debt and wouldn't take my $250. He would accept $640 plus, sorry pal I can't afford it. I am 60 years old, been out of work for 2 1/2 years and the company won't work with you. BEWARE!!!

Just received default judgement on past due credit card debit. I called to get a settlement offer, last month it was 600 now this month its 777.20. They were suppose to send me a confirmation email that confirms settlement and still waiting. Have worked in collections for close to 15 years and have heard bad things about this agency.