How do I get a credit card company to remove some late fees and interest?

How do I get a credit card company to remove some late fees and interest? I had this credit card a couple of years ago, and when I got married and moved out of state, I notified them of my change in address. I did not realize that there was a balance on the card of abt $300. I have not heard from them since then. Now, I just discovered that this was turned over to a collection agency and they want $990! Or, they are telling me I can settle for $660 but it will remain on my credit report. They told me that they never remove any interest or late fees. Is this true??Is there anything I can do???Any help would be appreciated!!!!!!!!!!

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Other Answers (6)

Unfortunately not much you can do. When you move you%26#039;re supposed to fill out a change of address form with the postal service so that all your old mail is forwarded to your new address (just in case there were companies or bills you forgot to change the addresses on). Since this service is free to everyone, there%26#039;s not much you can do. Pay it off ASAP because it will destroy your credit the longer you leave it there.
Once a debt has been transferred to a collection agency, the card company has nothing more to do with it; you have to deal directly with the collection agency.

I would just pay it off; you got a pretty good deal for the amount of time the debt has been late.

PS--They can do nothing about removing it from your credit report.
They sometimes do if it is the first month it is overdue ,
Like you move in june , miss the july bill and have a late fee in aug .
Then , if you call in aug , and since you Just had a change of address and
If you were Never late before ,
They often cancel late fees .

A Couple of YEARS ago ?

Hahahahahahahahahahah . . .

OK , now you made me fall out my chair laughing .

Thanks for the funny tho . . .

%26gt;
It doesn%26#039;t matter that you didn%26#039;t hear from them. It was your responsibility to make the payment whether you got a statement or not (it%26#039;s in the fine print, as well as common sense.)
Pay the $660 and take better care next time.
That sounds like a good deal, you should take it and not to let your credit being ruining any more. That is true, I hardly heard the collection agency lower the interest or late fee. Good luck!

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