CVN Money - Here is an excerpt from a very good article called How To Negotiate, Eliminate and Settle Your Debts by Chuck Hoskins…

“Knowing this, start your offer at 25% or less. If you have an old credit card balance of $1000.00, the collection agency has probably paid at the most $70.00 for the debt (seven cents on the dollar). If you only offer them $250.00, they still make a profit of $180.00. The original creditor gets nothing because they have already sold the debt. So this money is all profit to the collections.”

Debt harassment by debt collectors and collection agencies is against the law. Know your rights.

A personal injury attorney specializes in specific areas involving only personal injury litigation.

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