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What ever you do dont trust anything they tell you. The first thing they will do is lie to you to scare you. The next thing will be lie to you saying they will help you, i.e. rude lady, nice lady. These are low life people that just want your money. Be careful, I have seen this type of thing with friends and family.
Get an agreement in writing that they will take $xxxx amount to clear the account. If you dont, you will pay up to the point they said they would take then say there was no such agreement. If you dont have it in writing you dont have a leg to stand on in court and will be forced to pay the rest of the money.
As for her credit, it's shot for the next 5-7 years after the account is paid in full with this credit company. If this is the only problem on her credit report it wont be that big of a deal.
From this point on keep records of everything you do. Get the name or operator number of people you talk to, the date and time and what was said. Most answering machines have a record feature. If it is legal in your state, record the call. Dont tell them you are recording the call unless the law requires you to let the other party know. Laws are different from state to state.
Hope this will help you.
Allen
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