debt settlement question
I have 2 debts that I would like to do a DIY settlement with. One is Beneficial for 10,356.82 and the other is HSBC Direct Merchants for approx 1,364.00. I crafted the letters from the samples you provide in the site and have already heard back from HSBC that they would like to speak with me concerning my correspondence. I am about 40 days past due right now. I am going with 400.00 as a settlement offer for HSBC and 2,100 as a settlement offer to Beneficial. I just received the letter from DM so I am going to speak with them, but how do I handle the phone call, as what kind of tone do I take? And also is Beneficial hard to deal with or should I wait a little longer to see what they do?