Contact us
You may contact Debtors Unite, Inc. by calling 800-838-0861. Our hotline is a great way to speak with a certified financial counselor from the privacy of your home, rather than having to visit a public counseling center. Of course, there are local counseling options if you prefer.
If you choose to comment below, understand that the comments will be publicly viewable and should not include any private information. For private contact, you should call or request assistance using our private help request form to the right.
I’ve been reading up on DIY debt settlement and I’ve read in a few instances that I should wait until my account goes to a collection agency and the credit card bank gets the debt written off as as ‘charge off’. I also read that they sell the debt to a 3rd party collector for approx .03-.06 for every $1 of debt.
With this out of the way, do I try to settle with my credit card company or the 3rd party collector?
HELP! Please
Settling with the credit card company before it charges off will keep the collection account from showing up on your credit report. As far as which will give you a better deal, its anyone’s guess.
Make sure you know all the pros and cons of debt settlement before you decide how to proceed.