tulsantide12 asked:


After my graduation I had 12000 dollars in creditcard bills last year //Due to lack of a proper job I went behind payments for 4 5 months and it wnet to colections .. to avoid the harassing calls i joined one of the debt negotiation programs..I payed of only 3000 worth so far and payed over 1000 dollars in fees and around 500 dollars in commision.Now I have a decent job and and can pay the rest of the loans in 6 instalments easily ..Now can ido it on my own bypassing the company … I am doubtful if they are even trying as they promised as the ynever answer mycalls unless there is an offer and sometimesare more rude than the credit collectors ..Please help me I know I screwed up my credit for 12000 dollars but days were bad … Now I am ina positin to pay off the loans either in full or atleast the negotiaeted amount and I dont want to deal with the people who are charging such high fees and wont answer my calls.My problem is there were 6 cards with imit ranging from 1200 to 6000 $