However, it is important to note that any consumer can manage their own debts, make their own budgets, and negotiate a more reasonable repayment plan with creditors directly all on their own. (creditrepair.org)
In that case there are some options to stop the collections activity for the next five years and potentially discharge part of the debt or enter into a reasonable repayment plan if you are sued. (getoutofdebt.org)
I apologized and I asked for their help in agreeing a reasonable repayment plan to make things right. (sapling.com)