The story sounds similar. We are going to be filing in PA wetern district and have just started paying the lawyer. BoA, AMEX, and Chase each offered me settlement offers. Boa actually offered me 20% of the balance. Our unsecured is around 116K right now. I was tempted to take the settlement offers but they wanted everything now or over a six month period and we could not do that, and the taxes (an additional 50K) would have been more than we could have paid as well.
Also, I read somewhere that even if yo settle they can sell the remaining debt to a JDB.
Also, I read somewhere that even if yo settle they can sell the remaining debt to a JDB.
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