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The general ignorance and mis-information put forth on these “debt scam” websites, staggers the mind. Some state you can’t change your credit profile, you can’t make or offer settlements to those to whom you owe money. Utter nonsense. I can only assume these statements are made by “shills” of the financial institutions. Some attorneys even suggest that people cannot offer to change a contract once they have entered into it. Utter BS. Any attorney who says that is untrained! I worked in the legal department of a bank for 13 years, and I can vouch for the fact there are few industries more fraudulent than the banking industry. Everyday you read about various frauds they have committed, huge fines levied against them, etc. One need only look at the mortgage industry headlines everyday to see how the courts now have had enough of their lies and misrepresentations, and phoney contracts, and false affidavits being submitted at court etc. If you owe money on a loan or credit card and find you can’t pay as agreed, nothing stops you from contacting your creditor and asking if they will accept a lesser amount as full payment for the debt. Don’t believe these posts that say you can’t do that because you have different agreement in place. Nonsense, of course you can make such an offer. That is not saying the creditor will agree to it, but you are not stopped in any way from making the offer to pay it off for less. Everyones heard of debt settltment, very common practice today. If you owe $10k to the bank and call them to make an offer to settle for a lesser amount, its up to them if they will accept your offer, but its up to the parties to the agreement as to whether either one wants to amend it in some way acceptable to both, but both have to agree on an amendment to the existing agreement. Done every day of the week. It is true that when such an agreement change has been reached by the parties, the change from some of the original terms or amounts in place of the original terms and conditions is referred to as a “novation”. Been going on since ancient Rome. My experience in the bank had me talking to customers who had all kinds of problems keeping up with their payments. Believe me when I tell you, if a customer called in to say he was two steps away from declaring bankruptcy and would we be interested in accepting lees than what was owed before the BK filing, we made every effort to get something out of the debtor rather than nothing. The banks are so sophisticated, they have many ways of avoiding loss’s. All credit card accounts are insured against default, and if the insurance doesn’t cover a default, they can write off the difference as a tax loss for a bad debt etc. In reality, the banks sell these obligations to tranches who accept the receivable income stream of payments as the basis behind the securites they sell to the public. The bank is merely the servicer for them to collect and send the payments. The tranches cannot offer debt backed securities to the pubic unless default is insured, which it is at bank expense. If you don’t pay, the insurance covers it to make sure public investors in the securities don’t have such risk. Their risk is the value of the shares, but what backs those shares is insurance.Thousands of people have their credit scores cleaned up using various techniques, thousands of people have settled debts with banks for less than owed, so don’t believe these blogs that say it can’t be done. That is not to say there arn’t “scammers” out there in every business, including banking, credit repair, debt settlement, mortgage restructuring etc. But if you knew the inside like I do, you would realize, few business are inherently as shady as the banking business. They get away with it because they are so rich and powerful they pay congress to change and write laws that benefit them. It is true they can change the original terms of credit card agreements any time they feel like it. And when they do, don’t you always get an offer from them to change the terms? They can’t force you to change, but they can say if don’t agree they will close your credit card account, and that you then must pay off the account in full etc. You will agree to the new higher interest rate or whatever, by using the card again or by not objecting to the change within a particular time period. Change of terms happens all the time, so don’t believe the misinformation written on many of these blogs. And also don’t forget that any change of terms in any contract has to be agreed to by the parties to that contract or the original remains intact. Simple first year contract law. If your having trouble making payments on any kind of loan, call the creditor and see if they will work with you either to give you a “payment holiday” or reduce the amount of the loan if you offer to pay the reduced amount in cash. You would, under the same conditions, and so will they. Many people are these blogs and say things like “I tried the xyz plan of credit repair and it didn’t work, or I tried debt settlement and I got sued anyway”. Many times, investigation would show that there is a lot to the story they arn’t telling. i remember a classic case of a bank promotion we were offering, where we advertised a free chance at winning a vacuum cleaner. All that was required was to visit a branch and say “hi” to the branch manager and you would be given one of the stubs to fill out and place in the prize drum. Some people actually accused the bank of running a “scam” because it required coming into the bank! Others complained about promotions being a “scam” because an offer of a free coffe maker would be mailed to their home free, but they had to agree to pay the $7 dollar shipping and handling. “Scam” some cried, “I knew it was a scam. I called up to get the coffe maker and they told me I had to pay the postage”. Those people are the type who write these nonsense things on the internet. Some of the complaints are true of course, but which ones?