Sorry for the misunderstanding

BOTH DMP such as CCCS and others AND Debt Elimination, AKA Debt Settlement Companies Charge “Downpayments”. What I found with CCCS was they charge you a downpayment based on how much debt you have, like say for example 25%, and Debt Elimination charges a “fixed” rate… Usually around $1,000 (that is the average).

Some may charge more, but I did a lot of research and most charged around $1,000. Most make payment re-payment plans on a client to client basis. I feel fortunate that mine asked me what I felt comfortable paying each month. I know I don’t want another credit card again… EVER.

Citibank sued me

Citibank sued me as soon as I transitioned from a debt management program to a debt settlement program. If I read your previous email correctly, you stated that DMPs charge a down payment and debt settlement plans do not? My experience is the opposite: the DMPs charge only a 1 time enrollment fee and a recurring monthly fee which ranges from $20-50 depending on the company (mine charges $30). The debt settlement company charged me approx $2500 up front for basically nothing and I got sued. Not blaming them, I made bad decisions, just want everyone to make sure to do your homework and ask a lot of questions BEFORE joining any program.

Now, I have some questions. My DMP contacted the attorney who filed the suit on behalf of Citibank re: a monthly payment to Citibank via the DMP. The attorney stated he would not deal with the DMP because they are not a licensed attorney in the state of Alabama, that he could only deal directly with me. Well, I’m not a licensed attorney either but fair enough. I did speak with an attorney via Rocket Lawyer and he advised me on how to proceed with representing myself. I plan to send a written proposal for repayment to the attorney. My questions (Finally!): Has anyone ever done this? How much, if any, legalese do I need to include? I know what I can afford to pay per month; should I go ahead and offer that amount or start with something smaller? I can consult with the attorney again, just wanted to know if anyone has some personal experience with this. Thanks and have a great weekend!