Just wondering why I keep reading that I should have a family member or friend write a debt settlement letter on my behalf as opposed to writing it and contacting them myself?
I received a default judgement against me from Citibank a couple of months ago. It was for an unpaid credit card, the amount of the judgment is approx $18000. I am not working, with almost no money in the bank have only my home, and I am fully disabled with major depressive disorder and anxiety. Not much for them to come after. Family members chipped in and raised $4500 to try and help settle.
** this is my third time attempting to post this question, apparently it keeps showing up in the wrong category...but I am selecting "debt collection" and " debt settlement" so I'm not sure what's going on?Thank you for your reply... Is there any type of "template" I can use for writing this letter to protect myself as far as getting them to file to "dismiss" the judgment and ensure they will not sell the debt and/or come after me for the difference between the judgement amount and what we settle for? I noticed you are based in Arizona, could I ask what it would cost me to hire you to write the letter on my behalf to ensure it's handled properly? Thank you :-)