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About josephwm

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    chicago IL
  1. i have unsecured line of credit at 8100 past due 95 days. I have 2 other cc's with them at about 60 days, but focus on the one 95 first. I have been in contact with them every week or two to give them the same sob story how no assets, unemployed, rent went up etc. I was paying but than stopped due to hardships. They said chargeoff at around 6 months and can call to start setttlement at around 90 plus days. Well fast forward after hearing that over and over, now they are saying i won't qualify for settlement until 1 yr after last purchase which was in feb of 2012..WHAT IS THAT? is this just