One Time Settlement

by Tonya
(Toccoa, Georgia)

I had many credit bills and just waited until they sent me an offer as a one time settlement or payment into 3 payments.

It was great!

I did it with places like JCP and Sears. I felt vindicated for all the fees, charges and interest rates.

Mom's Comments:Tonya, glad that worked out for you but sad at the same time.

You need to take responsibility for your actions. Feeling vindicated because you did not have to pay for fees and such that you agreed to is making yourself into a victim.

You were the one who was late and the one who chose not to pay as you agreed. The companies were only living up to their part of the bargain. You weren't.

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