Report negotiating $20000 with CA in Debt Settlement Posted August 1, 2016 Update...... Not much has changed. The debt is still on EX an EQ. I tried using a free debt repair service called "collection shield 360" 3 months ago. They sent all the letters from their lawyers . Today On their portal they wrote "verified " I'm not sure what that means yet. I haven't called. I called the jdb to check DOLA. They said July 2010. I tried to get a mortgage and was denied from chase and Churchill. They said I won't qualify for an fha due to this debt.