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That was also ok until one day while at a red light a semi-truck smashed it up , and that second car was nearly paid off but then it got writen off as well.Luckily, for the second car I did have insurance, but the insurance company only agreed to pay out the remaining balance on that car loan and so I was again carless.

I don’t know if it is relevant but I have ADD, so impulse control, particularly when under stress, has always been an issue for me, and the whole thing was really traumatic with changing roles and several other factors.Contact the company's hardship department or someone like a manager who can actually authorize a credit card settlement or a lower percentage rate.If your credit card account is already in default, it's too late to negotiate lower interest rate. REMINDER: The free legal information the Internet provides is mostly general and usually second rate.(include any past due statements, late payments statements, past 2 months of proof of income, repossessions, credit card statements, last 3 months of bank statements,...) Once I am informed in writing of your decision to accept my offer of ($), the total payment will be mailed to you in 5 business days.At this time, I am making similar arrangements and negotiations with other creditors in order to avoid filing for personal bankruptcy.

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