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Have you asked about their hardship programs they may have available? Many places won't qualify you for the hardship programs unless you are right up under the charge-off date. Possibly a good-will letter explaining the situation with an offer enclosed, might try 50/100 and nego from there. Include a place for them to sign and return the agreement to you before you make payment.

If they won't work with you, there's not allot you can do unless you get a rep or sup that has a good heart and is having a good day.

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