Original Creditor or Collection Agency? 
Jun 08, 2010 Your account is with the Original Creditor if it is still with the bank card business. The negotiating tactics are quite different than if it's already been transferred to a collection agency.
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Beware the Costs of Debt Settlement
Here's what you have to know about debt settlement and also the organizations that claim to do it for you personally.
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Debt Settlement? Choose Your Company Carefully
Choose your debt settlement organization quite carefully and make sure they're legitimate and truly there to assist you, not just enrich themselves. At this point as part of your financial life, you definitely can not afford to make poor decisions.
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Reclaim Your Life - Eliminate Credit Card Debt Now | Debt Settlement 411
When you work with a debt consolidation company, their staff deals with your credit card companies for you, and negotiates a settlement deal whereby, with manageable payments, you can be completely out of credit card debt in 36 months (three years) o...
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