Thanks. I had no choice, either negotiate or file for bankruptcy.

Nice job!

At an average of 13.25%, you must be quite the negotiator.

Thanks to all. It can be done yourself and if you can't, you hire a professional like Richard C at http://www.totaldebtfreedom.ca/ to do it for you.

Way to go AJ, so glad to hear you made it to the finish line. Awsome work at a 13.5% average as well!

WOW - so it can be done!

Thank you for the encouragement

Thanks

That is great, I have learned alot from this site and I will be Debt free soon,

We are all happy for you, Now Happy rebuilding. There was light at the end of the tunnel !
Congrats

Thanks

congrats Average_Joe!
that's a good milestone....

You learn alot about credit when you've gone through the process that you have....

Now you've got a good fresh start...!!

Good job and congrats! It's always encouraging to other people who are also working toward the same goal.