Negotiating with Credit Card Companies

Have you tried the free consultation (button on the left)? I don't think it would be a wise thing to do if you credit isn't already trashed, the negotiated balances are going to be marked "settled for less than the full amount" as far as I know, this will harm your credit.

How much credit card debt are we talking about? Anyway to get a much lower interest rate bank loan to pay them off? If you own a house I would not take out a second mortgage, refinance ETC, never pay unsecured debt with secured loans.

You must be delinquent and have a true financial hardship to do debt settlement.

Guest-If you have a true financial hardship, then how are you supposed to get the $$ together for the debt settlement?

And no, you do not have to be delinquent.