Advice request: BoA and Discover

Well...since I've started reading and accepting advice here, I've settled about $70K in cc debt for about $25K total.

Citibank was easiest to deal with and held more than half of that total and they settled very quickly in one lump sum amount for each card. Very nice, very easy, no pain.

Chase held about $20K and they were only marginally more difficult.

So...

Discover is at about $6K but refuse to talk about settling, telling me that they do not settle. I know this is untrue but don't bring that up...just keep on calling week after week and offering gradually-increasing amounts. I'm at about 30% now and waiting to hear back. Anyone have advice on dealing with Discover?

BoA is a problem. I have about $15K with them and this is, I am ashamed to say, all cash advances over the last two years as it was an overdraft protection on our main checking account. I vainly held on to the notion that I was going to get much-promised bonuses and we didn't curtail spending until my wife actually LOST her job and we started on first a bk road and then decided to try debt settlement as opposed to Ch 13. BoA refuses to talk settlement right now. Any advice?

I have some other very minor accounts and will pay those at whatever I need to pay them to get rid of them or even go ahead and string them out and eventually take care of them but they are minor. The $21K or so listed above is my biggest concern right now. With success in dealing with Citibank and Chase, I'm really disappointed in not being able to do so fairly readily with these others.

I'm at about 120-130 days, I think. Somewhere in there, anyway.