I opened an account with Juniper in the summer of 2008. Until last summer (June 2010), I had always made payments on time. However, last year I encountered some financial difficulties and rather than just ignore my bills I contacted a debt counseling company to help me negotiate lower payments on my credit cards. Barclays has stated they will not accept a proposal until the account is over 90 days due; however, the counselors continue to make partial payments on my behalf (which Barclays accepts) and additionally, I make small payments as I... read full review »