“they liar 'actually my ex use my credit and i suggest to him to debt condolidation and enrolled the credit i did not enrolled my citibank and one capital one he is thebone negotiate and the program starts on march 2020 and finishnib march 2023 i have more money kn my dedicated acct buy after march they still saud i have yo pay until oct i ask my son whom his bank we used to stop payment thd truth if the matter i can even oay yhe program cause my salary is nir enough si my ex is the one paying the program but he loses his job but still he continue to pay using his severance pay until the final payment agreed upon in fairness to them they settle some leaving nirdstrom but currently they start dong payments to nordstrom but tge worse thing is my credit score get wirsevi shoukd negotiate to the creditor by myself without hurting my credit score now i cant even get a good house to rent”