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has anyone had any success with a good negotiation with home depot and lowes? prior to collections or after it went to collections.

they are presently demanding full payment, obviously we dont have it. but we do want to pay, but not all that excessive fees and interest that they keep adding. does anyone have any successful strategies. we want to pay these people off first before moving on to the other companies.

we owe about $11k between the two. thanks in advance for any help or tips.

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