I have about 40,000 in credit card debt and silverleaf offered to settle it for $437.00 a month for 48 months. I was so frazzled that I said yes. Next thing I know they have “merged” into the Lloyd Ward group. Nothing has been done as my 770 credit score plunged to 520. I am an Epidemiologist making 52,000 and just want out of this thing. I will deal with BOA and Chase on my own. Is there any way I can break from them?
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