I tried to "work it out" with my credit card company, and they wanted to know if I had any RELATIVES that could loan me the money. Then he advised me to get to use another low interest card to pay them off, so basically they did nothing in the way of offering me a realistic settlement. I've paid 3 of 30 - $594 payments to JH, I hope this works for me, I should be
debt free in 2012 when the world ends, ha!