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During college, I racked up quite a credit card bill (about $35,000 in credit card debt plus $8,000 in student debt). I have stopped using the cards and have been paying above the minimum every month. I talked to a California based company,and they want me to go delinquent on my card payments and to pay them $7000 into an “escrow” account so they can try to negotiate down my debt with the credit card. [...]

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