I just talked with my sister and she has some exciting news … but first a tiny bit of background history:
When she left her ex (with good cause), she ended up getting stuck with a lot of debt that he’d run up on credit cards. Granted the divorce settlement said that he was responsible for it, but when he stopped making payments the credit card companies came after her anyway. They do not care about decrees and such … they just want their money. So for the last several years she has been working long hours, working two jobs, etc. to protect her “credit rating” … it has come to a point where it is affecting her health, her ability to parent her children well, and her general quality of life.
She just told me that in the last two weeks, two of the three companies have offered to settle with her for approximately 25 cents on the dollar. She will pay the settlement amount over the next four months and the debt will be gone. She will be able to work a normal amount of hours and be there for her kids like she has wanted to do all along.
This is an incredible miracle, as she was considering bankruptcy she had become so desperate. Doing the happy dance, we are!