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Hi! I need some advice. I currently came to a settled amount to pay my credit card company because I've lost my job and I'm no 90 days late. Well, the day that we came to the agreement my file got handed over to their "pre-legal" department, which I found out is a third party legal servicing company that will not honor my previous agreement with the credit card company. Is this "pre-legal department" the collection agency and has my debt been sold? If this is not the collection agency and my debt has not been sold should I just wait until it is sold to negotiate and pay a lump sum? What should I do? Thanks :)
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