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[Donate] biggest worry about the remaining cc debt is gone. Bank of America settled with me at 35%. Maybe I could have gotten lower, maybe not, but I'm glad to be done with that one. They were really firm on not settling until now and it came through. After this, it's only Discover and they have begun settlement discussions as opposed to brushing me off as they had originally done.

So far about $95K in cc debt settled for somewhere in the neighborhood of 30-35% overall (have to put in all of the numbers in my spreadsheet to see). NOW I have to worry about the next tax season and the 1099C's that will come spilling in. Oh, well...still getting off cheaper than paying everything off. It's frightening to consider how much interest I've actually paid over the years on this debt as it's built up. No more!

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