Originally Posted by SmokeyTheBear

ahh i see . ok yes this can be done , but with some debts it doesnt matter how many appeals you file , your screwed , an even some really small companies will never report the debt to a collector so it just stays on there forever ( or until you pay them directly dollar for dollar )

I just meant 99% of "credit repair" places are just people who call your debtors on your behalf and work out a payment schedule for you , and take a cut for doing it..

Like you have probably seen the ads on t.v. " just make one monthly payment , no more headaches , no more hassles lol "