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I am behind with payments to Chase now for 3 months.
I was thinking to later settle the debt, but they are only offering to reduce payments and interest for the life of the balance if payments are made from my checking account in the same amount every month for 60 months.
See also Revenue-Enhancing Devices, which is when there are lots of extra goodies and bonuses to buy along with the game.
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If this is a major concern you should compare the monthly repayment plan with a debt settlement approach.