I had a debt of almost $25,000 with circle back that was bought by Machol and Johannes. I was with national debt relief when we signed a $408 month payment plan. Ndr told me that we could renegotiate down the road.
We tried to renegotiate twice with M&J and once we offered $13k and they countered with $16k. Then again with $5k and they said $9k. Unfortunately both times we didn't have that amount of money.
Fast forward to right now and we owe $12,600. I called NDR and a supervisor said since we signed a contract($408 a month) we couldn't try to negotiate with them. I said i have before and he said call tomorrow.
I have some questions that i hope can be answered by smarter people then me can answer.
1. Has anyone dealt with Machol & Johannes and do they ever settle?
2. If NDR says i cant renegotiate tomorrow even though i have before, should i cut my contract and deal with M&J solo?
3. If $12,600 is what I owe, what lump sum if they do settle should i be ready for?