No I don't! Lol. I work for a non-depository bank, a lender. But I've been in the financial services world since 1988 and have seen it all.
@blacksoxing , I really want to get you out of that arrangement. Collections agencies are more willing to negotiate than the original creditors because they bought the debt for pennies/dollar. They've made their money back and profited from you handily already. If you stopped paying they would still attempt to connect but that's simply to increase their profits.
IMHO, debt collectors are some of the most unprofessional and underhanded people in the world, and quite often they're connected with the underworld. They're no different to me than loan sharks.
Completion of that arrangement will do nothing for your credit and even less for your pocket.
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