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I had a BMW credit card that went into charge off status 10 months ago. Now I am getting calls from Niagara Cradit Solutions.
I acknowledge that it is my debt and I want to pay it off, but I will need to make reasonable payments each month.
I googled Niagara and looks like a complete house of jerks.
I know I wouldnt be able to trust them with anything.
What are my options if I want to pay it off over time?
Amount is $15k
It's fairly new and a pretty large sum of money. So I would try to negotiate something with them. Have they been in contact with you at all or made you an offer?