- You don't have to spend $300/hour to hire an attorney to negotiate a settlement for you, but it you have this sort of money to spend and you have big defaults that you'd like to settle, then of course you should use an attorney.
If you don't have this sort of money, then make your own offers to settle. Only do this if you have the money saved to settle all at once. Start @25% and go from there. Get a letter on their letterhead confirming any settlement terms. This letter should state that the debt will be "Paid in Full" once the agreed to amount is remitted. Once you get this, it's safe to pay. Pay via a money order or cashiers check. Don't give them your checking account #'s. Never agree to any settlement unless the terms are in writing before you pay, if you don't they'll just come right back for more money.
- Renewing contact with debt collectors over big defaults or any old credit card debts can be risky...be careful.
- Paying back defaulted credit card debts will not fix your credit rating. How to pay credit card defaults: https://sites.google.com/site/creditdebt...
Whoops, it doesn't matter if there is "construction going on" or "workers around", it only matters if the area has a sign that says construction zone.