re: How f***ed am I?

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How f***ed am I?
OP: Take the original principal balance you owed at the time they bought the debt.

Offer 10% of it. They paid PENNIES on the dollar so swallow your pride. You don't know these jokers. Stick to 10%. If they keep countering tell them you've got zero reason to pay this off. Tell them you've got a letter from the dean of the college your degree is in, and you've got copies of your transcript. If it comes to verifying your education professionally, you don't have to pay them in order to do it. Especially at [insert their amount offered here].

Tell them basically you can live without a physical copy of your degree. Period. Stick by 10%. Don't waver. Let them know they have <0 leverage against you. This is a wanna have, not a need to have for you.

Wait for them to sink down to 25%-35%...It will work.

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