negotiating with credit card companies my self

The worst thing they could do is sue you but it is highly unlikely since you owe less than 5,000 to each individual card. They probably are not going to sue for 1500. Other than that they can only report to the credit agencies and since you do not care about your credit that doesn????????t matter then. I would settle for 50% or less with the ones that will settle and the rest I would let sit until they settle for the 50% of your balance after all fees and penalties are subtracted out. Do not give them 50% of an inflated value from fees for example if you actually spent 900 but they inflated the card value to 1800 from fees and penalties then you are actually paying them the original 900 if you give them 50%. I would shoot for 450 on that card as settled in full. Make sure you get it in writing first and only pay with a check. Do not give them access to your bank account. If they start giving you crap on the phone hang up. Eventually they will settle or the SOL will come into affect. Also do not borrow the money from your brother until you reached a settlement and then only borrow the amount of that settlement. I dont want to see you borrow 6k straight up then spend it over time instead of cleaning this mess up.

thanks for your opinion. i was actually thinking about doing what you said but wanted to get a opinion from someone else besides me. thank you i will stay firm with them, john