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Credit Union Hired Carson Smithfield - Not Budging on Accepting Lower Amount for Settled in Full

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Credit Union charged off my account but retain ownership.  They hired Carson Smithfield collection agency for retrieval.  I contacted them to agree on a settlement for lesser than the full amount to settled in full/zero balance but they won't accept.  Does anyone know any negotiating strategies that I would get the outcome I'm looking for?

Thank you.


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