I have a AMEX account that is now with Alltrans. The balance was about $8000 before charge off. I have three other accounts and one is settled and the other is being settled now. I have not paid my mortgage, student loans or any car payments since July of 2020. Is it best to communicate immediately with Alltrans and what percentage should I expect as the lowest possible threshold of settlement. I turned down a 70% settlement while the debt was still with AMEX last month. Also, I will be resuming payments on mortgage on March 1 due to my deferment ending but will not be paying student loans. SO, should I try to settle before March 1 so Alltrans doesn’t see a mortgage payment, say shoot for Feb. 27/28th?
Thanks in advance.
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