Question by Kal-El: I have 5 Credit Cards all in collections totaling 6K.?
I have made no attempt to pay off the debt and can not affored a monthly payment. I have bad credit and no co-signer so I can't get a loan to pay it off. I do have a lump sum of money coming soon that is equal to about 1/2 the total outstanding debt that I have, (3K). A friend of mine used to work as a collector for a credit collection agency. He recommended that I call all of the collections agencies and negotiate a
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