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Billy, You could negotiate yourself. It is best to have the money ready so you could say "i have $5,000 available (to pay off this $20,000 debt!) and can pay immediately." Some lenders may want to know your other debts and finances etc. Others don't seem to care.

No. I can confirm it did not hit my friends CRAA. That was a condition of the repayment of debt with the credit card companies and a CRAA check was done after all paid out. There were several banks and no listing anything - but none of the cards were in default either. I also asked the bank...

Hi Billy, Yep, must be awful. I have seen several people with higher credit card debts. One woman had $230,000. Several of them went bankrupt. I would suggest you just bite the bullet and sell IP 2. Do it quick as these things can snowball. Once you have cash in your hand then ring up...