不好，他们会代表你跟银行交涉， 比如到一定的时期银行会允许你settle for 50%, 也就是说如果你work directly with banks你只需要付50%就可以了，但如果是debt relief 公司帮你跟银行交涉，那除了50%以外你还要支付大概15% of your total balance 给他们。
回复 7楼 usa20230416 的帖子 是的，每个月有月供，比如你每个月支付给debt relief company $1000 to take care of all your debt, a big portion of that is actually their fee, and the remainder is used to pay off your debt. And these companies are very experienced, they know at which point are banks allowed to give you the lowest settlement threshold, so they wait and prioritize your debts based on that, which does hurt your credit score badly. All I can say is do NOT work with debt relief companies! They are not nonprofit companies, they make a lot of money from you!! And you are already in hardship!
In short, if you are having financial difficulties and couldn’t afford to pay your credit card balances, always talk to the bank directly and tell them how much you could afford on a monthly basis and they have agents ready to help you with short term or long term financial hardships
说明你已经把account交给debt relief company了，那你还上来问这个问题不就太晚了吗。 一般debt relief company 会tell clients to stop talking to the creditors, 针对这一点不同银行政策不同, 有些银行会选择更安全的方式。
把债还掉挺好的。 不然越欠越多。
这样啊，那我自己跟银行交涉，也有可能谈得下来？
赶紧还清才是正道。这种所谓relief是从一个火坑进另一个火坑
就是每个月有月供，分3年啊，没有其他的手续费了，我就慢慢还，应该还好吧？
用低息债还高息债
对的！ 你自己去交涉是一样的，实际上银行更倾向于你自己去交涉
是的，每个月有月供，比如你每个月支付给debt relief company $1000 to take care of all your debt, a big portion of that is actually their fee, and the remainder is used to pay off your debt. And these companies are very experienced, they know at which point are banks allowed to give you the lowest settlement threshold, so they wait and prioritize your debts based on that, which does hurt your credit score badly. All I can say is do NOT work with debt relief companies! They are not nonprofit companies, they make a lot of money from you!! And you are already in hardship!
我刚跟银行打了电话，银行说需要找信用卡relief公司跟他们谈，他们不跟个人谈。
还有cancelled debt 要交税的。