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Great post @Robby Sanchez Spot on!

Hello Robert,I enjoyed reading your post. 

That's not the same as paying cash.According to a different post, your credit card debt costs you $600/month.

@Kaaren Hall after seeing your post i called them right away, their fees are extremely high for an HSA that for the most part most people don't have a lot of money in.I max my HSA every year, but if you have a self only plan you can only put about 4k /yr  and if you have some medical bills it's less.they are also very restrictive on taking money out, and no CC to pay the doctor. prior to speaking with them I was extremely excited to see this opportunity you suggested,  but after my conversation I'm no longer...I will look for other options now that I see there may be some, so thanks so much for bringing it up.

If you have questions, you can post them here.

Far too many decision points for a post.1. 

@Chris WiermanSorry I am just now seeing this post.

Then offer the creditor a percentage of this amount as settlement in full.  

We have some $ saved  but don’t have enough to put a full 20% deposit down as needed by most conventional lenders.