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<p>[QUOTE=&quot;desertgem, post: 708212, member: 15199&quot;]I highly recommend either the book or the DVD &quot;Maxed out&quot;, as it explains in non legalese how the unsecured debts such as credit cards and other bank misadventures can be reduced or eliminated. There is a very good reason why a bank will mediate with someone to get as little as 1/3 of the debt. There are also good reasons for a CC debtor to not initiate the mediation, as that acknowledges the debt and resets the states statue of limitations on suit. If you have more credit card debt than reserves, it will be worth the time. Like with coins, Buy the book first. I am not a lawyer or financial advisor, so consult one if interested. IMO.</p><p><br /></p><p>Jim[/QUOTE]</p><p><br /></p>

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