Hi i am new to this board and I am just looking for some information that i haven't been able to find yet. I am about 28000 in debt to CC and a PL. I am about to start settleing with the CC companies. I keep reading about the PFD's. I sorta get it but could i use that before i settle? Also will that come back as not a charge off.
I talked to one CC company and they said that it would be on there for 8-10 years. Is there anything around that?
Lastly is there anything else i should do before i settle?
Any and All help is appreciated. Thank you for your time in advance.