I have a 22,000 Credit union credit card and a 18,000 Capitol One, From what I have read they are both pretty tough to settle with. I dont know what to do, does anyone have any imput?? I am scared to stop paying but it is killing me I pay $1,020 a month for just the 2 cards. Has anyone settled with a credit union? And does anyone know if Capitol One has lightened up from there own experience???