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Hardship letters?


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We are in the process of trying to figure out how to settle or pay these credit cards that we have, I would like to write to each company and get a response in writing rather than dealing with all of the million phone calls to do this, is it possible or do they work better when you call? We get about a bazillion calls a day from them, b/c we are behind, but we are screening the calls until we can figure out how we're going to get out of this mess...thanks.

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