What is the best method for attempting to reach a

What is the best method for attempting to reach a settlement for old debt with collection agencies? I tried calling them, they refused to take the principal and insisted on me paying additional money to them for fees and interest. I have read online that contacting them in writing is better but it all seems so complicated, I just want to pay the actual amount owed and move on. Do you have any suggestions?

1 Answers

The actual amount owed is the principal and interest.  You need to negotiate down from there. What type of debt is this?  What state do you live in and when was the date of your last payment???

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

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