They are aggressive. I had a payment arrangement with them for over a year of $200 a month. That's at least 12 months multiplied by $200 and yet it shows on the credit report that I paid them $1100 which seems a lot less than what I actually paid.
But I had to stop making payments and now, since I am trying to repair my credit and I am wanting to get a mortgage someday I am hoping they will take a settlement amount. I know with a debt on my report of that much it would be very hard to get a mortgage, much less a good one.
The worse part is that I didn't even default on that student loan in the first place. The co-signer decided she didn't want to be on it anymore and lied and said she never agreed to it (she did and signed the papers grr) they took her off and that automatically puts you into default! So because of that there you go, and when I first talked with WWR they did know that was why it had defaulted and asked me something about paying a lump sum, which at the time I wasn't able to do. Perhaps now they will be willing to negotiate.
