i know one person,
who consolidated their loans,
made 1 payment,
then closed the bank account, that went to where they pulled it,
from once, a month...
they changed their telephone number,
to an unlisted one, and, didn't bother to open the mail,
they returned it, marked MOVED/new address NOT known
and, it didn't affect their credit, maybe because it was consolidated ?
until approx 7 years later,
when a myriad of collection companies,
tried to collect on them,
at that point, they had equity in their home,
remortgaged their home, and, paid off the debt,
at approx 40 cents on the dollar
so, pagan, is probably quite right
that, the 35 cent offer, just might work
the trick to money, is often raising your energy,
and, you, certainly seem to have a lot of that
