At Asset Recovery Associates of Lombard, Illinois, we resolve owed to almost every major bank and credit card company in the country. Our belief after years in this industry is that most ex-cardholders didn't intend to default on their bill at the time they did. However, something happened and it resulted in a financial setback at that time in their life.
We understand that from time to time everyone has financial difficulties, but we know that most people genuinely intend to pay their fee when they're back on their feet. Our goal is to resolve every bill before any action needs to be taken. Most collections personnel that you've talked to about this bill, and probably most of the other bills you've had in the past, have wanted to get you to pay at all costs.