Any help will be appreciated 57K in CC debt

Honestly, you should be talking with a bankrutcy attorney. You are up against some tough creditors they that generally do not like to settle for less than 50% and in most cases would rather sue. If your funds are that tight, I dont see how you are going to save enough to settle before they turn the tables on you.

Get a free consult with a BK attorney.

I have to disagree, Soaplady; we've settled accounts with Amex and Chase for less than 30%, and we've settled Citibank and Discover accounts for less than 40%. However, that doesn't mean that the OP shouldn't see a bankruptcy attorney; that part of your post I do agree with.

Sounds like you're in over your head with $57K in debt, and not currently working. By the time you save enough money to settle these accounts the balances will grow significantly, and there's a good possibility that your Amex or Chase accounts could end up with an attorney before you have the opportunity to settle.

If you don't qualify for bankruptcy, then consider debt settlement, but be sure to have a solid plan in place, and know exactly how much you can set aside each month. Also, don't dip into that settlement account for anything; your creditors aren't going away, and you need to make sure that funds exist when it's time to settle these accounts.

Good luck to you!

i have experience settling with citi & chase.... we had an amex thru boa, and that was easy....
in re of the citi they sent one of ours straight to attorney, and it was the smallest one, with a balance less than 6000$... our other 2 were much larger and they sent us offers of 50%. when they were close to charge off/ and being sent to atty, i called and talked to them. we settled one of them at 50%, they would not budge no matter what i tried. the one at atty, would not settle for anything less than 50% either...
if citi sends them to attorney, they will give you option for payments for so many years (depending on state laws- here it is 4 yrs), but with the 20k balance, the payment even without interest will be high)..
in re of chase, they sent 3 of them to attorney based collection agencies, 2 at one collector and 1 to another. a 4th account was sold to a junk debt buyer which still has not validated... we settled the 3 chase accounts at 35-40% i think it was...they will allow you 3 months to pay the settlement...
depending on if you would risk losing your home, car or other things, i think you should consult with a bk attorney....i wish we could have done that, but there were several reasons bk was not an advisable option for us...