I Need Tips on Who to Hire to Negotiate a Debt Settlement. – M

Background: high debt. unemployed for a year and then underemployed for 2 yrs. I was able to settle 2 cc’s and now I have 2 left. Both have been turned over to Law Firm collectors in my state (Colorado.) One is very aggressive, Machol & Johannes and basically offered me 0% discount. ugh. The other Farrell & SEldin served me a Summons and is pursuing a judgment. Ugh. I was going to file Bankruptycy, but didn’t even have the $. It costs like $1500-3500! CRAZY. Attorneys charge like $250/hr so I don’t want to hire one to settle. I’m only able to settle now due to the grace and goodness of my parents who I finally asked for help. Need advice on negotiating or who to hire. THANK YOU.

I need tips on how to negotiate a debt settlement OR advice on who to hire to do the negotiating. THANK YOU!!!

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