Why are you so proud of settling a $50K debt that YOU charged up and you are responsible for for only pennies on the dollar? THANK YOU for not being responsible and not paying your debt causing the credit card companies to hit me up for the money they lost on you by increasing my interest rates!!! I have never been late on a payment and I am feeling the shock waves from all of these settlements! I wouldn't be bragging about that if I was you! I however am trying to be responsible and pay off my debts that I owe (way under $50K) in full, even if it means I get a second job. Bet you did try that first?!?