Settle a Debt
I've been paying on an old credit card debt which originally was $1,000 I've paid well over $5,000 because I was given bad advice by a so called credit counselor who advise me to take payment arrangements offered by the collection agency they continue to charge 12% interest on the unpaid balance. I've called to try and settle the account and they won't, or they tell me to call them on the next day and I get someone new.
I want to settle this debt because I have paid it off at least twice. How do I get them to settle with me is their an agency or someone that can help me.
Who can I report them to? Is this legal?