I am still waiting for some banks’ official letters before I can add up my total debt. Some of the banks are really stubborn!
You see, I have been under the debt management program since October 2008. Until now, some banks are still unwilling to send me an official letter stating the exact balance I must settle under the debt management program.
All I get from these banks are monthly credit card bills charged with 18% interest rate charges, late fees and cash advance interest charges used for purchasing discount furniture or home appliances long long time ago.
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Banks Still Charge 18% Interest Rates & Late Fees
