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Right, this is what I was thinking. I plan on accepting the offer and trying for the 8% interest rate. About the answer to the judgement. What should it say? I have never been envolved in any type of court situation and basically am a newbie when it comes to these things. Should I say that I have entered into a settlement with the creditor?
Also, should I have the people I'm dealing with fax me a written copy of the agreement we come to that has been notorized to attach with the reply?
Oh and Thank you all so much, this forum has been a great deal of help to me in this and I'm sure it will be a great deal more when I get to start repairing the rest of my credit history.
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