First post of this forum :
"Hi,
I have the most basic sounding problem many of us seem to have. I had a credit card through CitiBank while in college that I did not make payments on for a while...let's say it's been about 2 years at this point. The credit card debt has been placed with ARS at this point, and the debt is for $3952 up to now. I have recently got to a point where I can make payments of about $100 a month on this debt, which could be more sometimes depending (but keep in mind I have student loan debt that I pay on every month--in excellent standing--and am expecting a new baby in two months--so finances are tight). My question is this: what would be the best way to deal with this situation? I have ignored all correspondences because some people have told me not to talk on the phone with them, others say consolidate, others say it's not enough debt to worry about consolidation, while others say to try to negotiate a payment plan via mail. I'm very confused. I know if I only pay $100-$200 a month it's going to take a while to pay it off, but this is all I can do right now...which is better than nothing, right? Please help! I want to have this taken care of asap. "
see this forum at : http://www.debtconsolidationcare.com/settlement/negotiate-payment-plan.html
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