In real deep...

Wow! It seems like you are in a tough situation. I don't know alot about military cards, etc., but someone will be along shortly who can help you. Just wanted to let you know that you aren't alone here and to say welcome. :-)

I did not realize our military was in the debt business. What a sad state of affairs. What happens if you simply do not pay them and then offer to settle when they start trying to collect? That is what a debt settlement company would do anyway and then charge you for it. Are there negative ramifications that apply to military debt that would not apply to a normal card or can you settle like you can for a normal credit card? In other words would you lose your security clearance if you had a bunch of delinquent debt that you refused to declare bankruptcy on?

Sorry that I am not really helping other than just bringing up questions that I think should be answered.

From what I have read military related cards are not issued by the military. They are issued by private lenders such as Bank of America and Navy Federal Credit Union that have military interests. Because they are private lenders I don't see why a consolidation company won't work with them. Someone please correct me if I am wrong!