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Hi! I have been without a job for close to 3 years and I stopped making payments on some of my accounts in 2013. I have: 1. HSBC $430 2. Capital One $1800 3. Citi $6800 I finally got a job and I am ready to pay off my debts but i want to be smart about it. HSBC and Capital One were sold to Portfolio Recoveries Associate. I talked with them and they were just nasty and agressive and tried to force me to give them my checking/saving account numbers which I refused. They offered a miserable settlement on HSBC account for $340. I asked to do pay for delete and they refused. What should I do? Citi account is in collections but it's not on my credit report. Should I call citi directly? Other than that, my credit is OK. I have Amex in good standing, paid car loan and a bunch of good cards. I just want some advice from anyone who dealt with Portfolio Recoveries Associate.
