The author  worked in almost all credit card  related industries; from counselor to collection agency manager. Education is my goal.  End the collection calls.  Stop the abuse,

Are credit card settlements really possible, will a bank stop adding on late fees and high penalty interest rates and take less than I owe as payment in full?  The answer is yes.  Learn how and why.  It is a must!  Time is your most valuable asset use it well.

Would a bank make a credit card settlement for less than I owe? Why would a bank take less than I owe, for payment in full?  The reason is simple, they have to report to stockholders.  They do not want to write off the debt completely.  You must learn how to negotiate! Debt settlement is easy.  Time is your most valuable asset do not waste it, use it productively by learning if not from this E book, go to www.nfcc.org  and learn.