Comments on: How to Negotiate With Credit Card Companies http://www.philiptirone.com/blog/how-to-negotiate-with-credit-card-companies/ Credit Scoring Expert speaks candidly about his personal growth and asks respected writers to share content to help others improve their life. Sat, 11 Feb 2012 00:42:40 +0000 http://wordpress.org/?v=2.9.1 hourly 1 By: Robert F Mick http://www.philiptirone.com/blog/how-to-negotiate-with-credit-card-companies/comment-page-2/#comment-2451 Robert F Mick Thu, 05 Jan 2012 00:31:20 +0000 http://www.philiptirone.com/?p=890#comment-2451 Greetings Philip Tirone, I was in a Credit Counselling plan with Discover,USBank, and Bank of America. Paying 400.00 a month. I am two months behind and out of money to pay. I probably am going to be dropped from the plan that had lower interest rates and no late payment fees. I must negotiate with the three companies directly. I hope to have 200.00 a month available to pay divided up for the three. I am trying to negotiate by e-mail as my phone is unreliable ( prepay cell ).I have yet to respond but is my belief that I am in collections. I want to see in writing first what is available from them. I might get overheated over the phone as I no they want an emotional response. What should I say initially. The total debt is 400, 1500, and 13000. Greetings Philip Tirone,
I was in a Credit Counselling plan with Discover,USBank, and Bank of America. Paying 400.00 a month. I am two months behind and out of money to pay. I probably am going to be dropped from the plan that had lower interest rates and no late payment fees. I must negotiate with the three companies directly. I hope to have 200.00 a month available to pay divided up for the three. I am trying to negotiate by e-mail as my phone is unreliable ( prepay cell ).I have yet to respond but is my belief that I am in collections. I want to see in writing first what is available from them. I might get overheated over the phone as I no they want an emotional response. What should I say initially. The total debt is 400, 1500, and 13000.

]]> By: Great Credit Card Debt Solutions | Debt Settlement Assistance http://www.philiptirone.com/blog/how-to-negotiate-with-credit-card-companies/comment-page-2/#comment-2261 Great Credit Card Debt Solutions | Debt Settlement Assistance Fri, 28 Oct 2011 01:51:14 +0000 http://www.philiptirone.com/?p=890#comment-2261 [...] #split {}#single {}#splitalign {margin-left: auto; margin-right: auto;}#singlealign {margin-left: auto; margin-right: auto;}.linkboxtext {line-height: 1.4em;}.linkboxcontainer {padding: 7px 7px 7px 7px;background-color:#eeeeee;border-color:#000000;border-width:0px; border-style:solid;}.linkboxdisplay {padding: 7px 7px 7px 7px;}.linkboxdisplay td {text-align: center;}.linkboxdisplay a:link {text-decoration: none;}.linkboxdisplay a:hover {text-decoration: underline;} function opensingledropdown() { document.getElementById('singletablelinks').style.display = ''; document.getElementById('singlemouse').style.display = 'none'; } function closesingledropdown() { document.getElementById('singletablelinks').style.display = 'none'; document.getElementById('singlemouse').style.display = ''; } Evaluate Credit Card Debt Solutions – Free Yourself From StressConsumer Credit Card Debt SolutionsHow to attract Credit card debt solutions and Stay away from BankruptcyPersonal Credit card debt solutions – Just how Tax Pauses Allow Consumers reduce Credit card billsMaking A Credit Card Debt SettlementHow To Get Out Of Credit Card DebtWhat is the Religious Credit card debt Solution For You?Tips on how to Legitimately By no means Pay Credit Card Debt – Credit Card Debt ReliefIf you ever Reaffirm Your current Secured Credit card debts in Chapter 7How to Negotiate With Credit Card Companies [...] [...] #split {}#single {}#splitalign {margin-left: auto; margin-right: auto;}#singlealign {margin-left: auto; margin-right: auto;}.linkboxtext {line-height: 1.4em;}.linkboxcontainer {padding: 7px 7px 7px 7px;background-color:#eeeeee;border-color:#000000;border-width:0px; border-style:solid;}.linkboxdisplay {padding: 7px 7px 7px 7px;}.linkboxdisplay td {text-align: center;}.linkboxdisplay a:link {text-decoration: none;}.linkboxdisplay a:hover {text-decoration: underline;} function opensingledropdown() { document.getElementById('singletablelinks').style.display = ''; document.getElementById('singlemouse').style.display = 'none'; } function closesingledropdown() { document.getElementById('singletablelinks').style.display = 'none'; document.getElementById('singlemouse').style.display = ''; } Evaluate Credit Card Debt Solutions – Free Yourself From StressConsumer Credit Card Debt SolutionsHow to attract Credit card debt solutions and Stay away from BankruptcyPersonal Credit card debt solutions – Just how Tax Pauses Allow Consumers reduce Credit card billsMaking A Credit Card Debt SettlementHow To Get Out Of Credit Card DebtWhat is the Religious Credit card debt Solution For You?Tips on how to Legitimately By no means Pay Credit Card Debt – Credit Card Debt ReliefIf you ever Reaffirm Your current Secured Credit card debts in Chapter 7How to Negotiate With Credit Card Companies [...]

]]> By: Consumer Debt Relief: Which Debt Solution Is Right For You? | Debt Settlement Assistance http://www.philiptirone.com/blog/how-to-negotiate-with-credit-card-companies/comment-page-2/#comment-2260 Consumer Debt Relief: Which Debt Solution Is Right For You? | Debt Settlement Assistance Fri, 28 Oct 2011 01:45:40 +0000 http://www.philiptirone.com/?p=890#comment-2260 [...] #split {}#single {}#splitalign {margin-left: auto; margin-right: auto;}#singlealign {margin-left: auto; margin-right: auto;}.linkboxtext {line-height: 1.4em;}.linkboxcontainer {padding: 7px 7px 7px 7px;background-color:#eeeeee;border-color:#000000;border-width:0px; border-style:solid;}.linkboxdisplay {padding: 7px 7px 7px 7px;}.linkboxdisplay td {text-align: center;}.linkboxdisplay a:link {text-decoration: none;}.linkboxdisplay a:hover {text-decoration: underline;} function opensingledropdown() { document.getElementById('singletablelinks').style.display = ''; document.getElementById('singlemouse').style.display = 'none'; } function closesingledropdown() { document.getElementById('singletablelinks').style.display = 'none'; document.getElementById('singlemouse').style.display = ''; } Great Credit Card Debt SolutionsHow To Get Out Of Credit Card DebtDebt Relief ConsolidationGetting Debt Relief With Debt ConsolidationWhat consumer credit card debt relief program will work smoothly in my situation?Debt Help: How Choosing the Right Credit Card Debt Help Services Can Help You - Articles Collection - Article FeedsHow To Get Relief From Credit Card Debt Help How to Negotiate With Credit Card Companies [...] [...] #split {}#single {}#splitalign {margin-left: auto; margin-right: auto;}#singlealign {margin-left: auto; margin-right: auto;}.linkboxtext {line-height: 1.4em;}.linkboxcontainer {padding: 7px 7px 7px 7px;background-color:#eeeeee;border-color:#000000;border-width:0px; border-style:solid;}.linkboxdisplay {padding: 7px 7px 7px 7px;}.linkboxdisplay td {text-align: center;}.linkboxdisplay a:link {text-decoration: none;}.linkboxdisplay a:hover {text-decoration: underline;} function opensingledropdown() { document.getElementById('singletablelinks').style.display = ''; document.getElementById('singlemouse').style.display = 'none'; } function closesingledropdown() { document.getElementById('singletablelinks').style.display = 'none'; document.getElementById('singlemouse').style.display = ''; } Great Credit Card Debt SolutionsHow To Get Out Of Credit Card DebtDebt Relief ConsolidationGetting Debt Relief With Debt ConsolidationWhat consumer credit card debt relief program will work smoothly in my situation?Debt Help: How Choosing the Right Credit Card Debt Help Services Can Help You – Articles Collection – Article FeedsHow To Get Relief From Credit Card Debt Help How to Negotiate With Credit Card Companies [...]

]]> By: Edmund http://www.philiptirone.com/blog/how-to-negotiate-with-credit-card-companies/comment-page-2/#comment-2173 Edmund Mon, 18 Apr 2011 04:21:48 +0000 http://www.philiptirone.com/?p=890#comment-2173 For lawyers that understand the law: This is my scenario, I had a high FICO score of 740. I had 26,000 dollars line of credit with JP Morgan Chase of which I had only used 7,000. Suddenly Chase reduced it to 7,920 citing an overlevarged account that was reported to the bureau as part reason. Suddenly everything was like a domino effect with the rest of the other creditors reducing my limit. Well, with these actions, my FICO took a nosedive. My question is why can't I sue these bastards for destroying my credit. At minimum they are accesories??? Unfortunately there are a lot of people in this country under that predicament. Any advice?? Edmund For lawyers that understand the law: This is my scenario, I had a high FICO score of 740. I had 26,000 dollars line of credit with JP Morgan Chase of which I had only used 7,000. Suddenly Chase reduced it to 7,920 citing an overlevarged account that was reported to the bureau as part reason. Suddenly everything was like a domino effect with the rest of the other creditors reducing my limit. Well, with these actions, my FICO took a nosedive. My question is why can’t I sue these bastards for destroying my credit. At minimum they are accesories??? Unfortunately there are a lot of people in this country under that predicament. Any advice??
Edmund

]]> By: Debt Settlement Lawyer http://www.philiptirone.com/blog/how-to-negotiate-with-credit-card-companies/comment-page-2/#comment-1510 Debt Settlement Lawyer Fri, 15 Oct 2010 10:40:24 +0000 http://www.philiptirone.com/?p=890#comment-1510 Negotiations require good communication skills and a person should be aware what he is to speak and what he should not. Negotiations require good communication skills and a person should be aware what he is to speak and what he should not.

]]> By: Tim http://www.philiptirone.com/blog/how-to-negotiate-with-credit-card-companies/comment-page-2/#comment-1455 Tim Wed, 22 Sep 2010 19:29:11 +0000 http://www.philiptirone.com/?p=890#comment-1455 I'm just starting this so any advise would really be helpful. I look forward to hearing everyone's experiences. Thanks. Tim I’m just starting this so any advise would really be helpful.
I look forward to hearing everyone’s experiences.
Thanks.
Tim

]]> By: Jean Loup Bitterlin http://www.philiptirone.com/blog/how-to-negotiate-with-credit-card-companies/comment-page-2/#comment-982 Jean Loup Bitterlin Sun, 06 Jun 2010 04:07:24 +0000 http://www.philiptirone.com/?p=890#comment-982 Dear Philip, Got your call but had cell problems and wasn't able to return your call, but yes, I am from Ensenada and have the El Rey Sol restaurant. My problem is with a 28 year old daughter without a job that was given more than 30,000 dlls in credit line from Saks, this is without a job history, etc. While times were good, her mother helped finance, but as your are aware, tourism to Baja is extremely low, so I can't do much to help. I was authorized to speak to the collections law office and they offered a 25 % cash discount or a 10% payment with 30 payments of 900 per month. What are my daughters options? She doesn't have a job or anything to her name. My question is how do they give sooo much credit to someone in her financial reality. My cell is 858-414-4825, Jean-Loup Dear Philip, Got your call but had cell problems and wasn’t able to return your call, but yes, I am from Ensenada and have the El Rey Sol restaurant. My problem is with a 28 year old daughter without a job that was given more than 30,000 dlls in credit line from Saks, this is without a job history, etc. While times were good, her mother helped finance, but as your are aware, tourism to Baja is extremely low, so I can’t do much to help. I was authorized to speak to the collections law office and they offered a 25 % cash discount or a 10% payment with 30 payments of 900 per month. What are my daughters options? She doesn’t have a job or anything to her name. My question is how do they give sooo much credit to someone in her financial reality. My cell is 858-414-4825, Jean-Loup

]]> By: Cisco http://www.philiptirone.com/blog/how-to-negotiate-with-credit-card-companies/comment-page-1/#comment-721 Cisco Tue, 13 Apr 2010 10:01:40 +0000 http://www.philiptirone.com/?p=890#comment-721 Hello, I don't know if you can help me but it's worth a shot. I am currently negociating my cc debt with Chase bank. I'm about 5 months behind on my payments and owe about $8,000. At two months behind I called and was offered a 50% settlement. I figured if they started at 50% I had a real good chance to get an even better settelment. Now I'm 5 months behind and they a not budging on the 50%. I don't know if I should continue to try or just accept the 50%. What would you recomend I do to get a better rate? Is there anything I can do? In your experience is this typical? Any bit of info would be greatly appricated! Thank you in advance. Hello, I don’t know if you can help me but it’s worth a shot. I am currently negociating my cc debt with Chase bank. I’m about 5 months behind on my payments and owe about $8,000. At two months behind I called and was offered a 50% settlement. I figured if they started at 50% I had a real good chance to get an even better settelment. Now I’m 5 months behind and they a not budging on the 50%. I don’t know if I should continue to try or just accept the 50%. What would you recomend I do to get a better rate? Is there anything I can do? In your experience is this typical? Any bit of info would be greatly appricated! Thank you in advance.

]]> By: Mary Ann Casey http://www.philiptirone.com/blog/how-to-negotiate-with-credit-card-companies/comment-page-1/#comment-612 Mary Ann Casey Fri, 26 Feb 2010 17:02:45 +0000 http://www.philiptirone.com/?p=890#comment-612 At what point after stopping payments to cr card companies should I try to start negotiations? I am very interested in the virtual roundtable "How to Negotiate with Credit Card Companies", please advise when this will start. Thanks At what point after stopping payments to cr card companies should I try to start negotiations?

I am very interested in the virtual roundtable “How to Negotiate with Credit Card Companies”, please advise when this will start.

Thanks

]]> By: VeroniQue-R. Fields http://www.philiptirone.com/blog/how-to-negotiate-with-credit-card-companies/comment-page-1/#comment-608 VeroniQue-R. Fields Thu, 25 Feb 2010 05:41:15 +0000 http://www.philiptirone.com/?p=890#comment-608 I had to call my CC co.(Chase Bank) and tell them I could not pay on my credit card debt (in Oct. 2009). Was transferred to a lady who asked questions, which I answered,and she set me up with a pay't of 1/2 of the min. Two days later I was phoned by another person who wanted $100 more and didn't accept my reason my reason for non-payment. I asked if he understood plain english and he hummed & hawed and finally hung up.this was followed by other persons, as many as one a day for a week and then one every 2 days. I finally said I can't pay you 'cause I didn't have the money. As of now I think I'm in collections because the letters and phone calls have stopped and I refuse to talk to the collections people.I'd like to be able to pay these people but the $$$ is not there. I got very sick due to paying the Cr Cd instead of buying food and decided I needed to get well before I could handle this. is there a way to negotiate even tho' I'm in collections? I had to call my CC co.(Chase Bank) and tell them I could not pay on my credit card debt (in Oct. 2009). Was transferred to a lady who asked questions, which I answered,and she set me up with a pay’t of 1/2 of the min. Two days later I was phoned by another person who wanted $100 more and didn’t accept my reason my reason for non-payment. I asked if he understood plain english and he hummed & hawed and finally hung up.this was followed by other persons, as many as one a day for a week and then one every 2 days. I finally said I can’t pay you ’cause I didn’t have the money. As of now I think I’m in collections because the letters and phone calls have stopped and I refuse to talk to the collections people.I’d like to be able to pay these people but the $$$ is not there. I got very sick due to paying the Cr Cd instead of buying food and decided I needed to get well before I could handle this. is there a way to negotiate even tho’ I’m in collections?

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