i will give a brief rundown of my current situation.
first off, i had a good job and ran up a small amount of cc debt. i ended up losing that job, and was unable to make my monthly payments, and made no payments on these accounts for the last 1.5 years. there are 4 cc accounts that i had, and all 4 im assuming have been charged off by now. i have been recieving letters from 4 different collection agencies in reference to these 4 cc accounts. all 4 letters mention within the letter to call them about a possible settlement.
here i will list the cc and the approx current balance
1.