I have been reading this forum for a few months, what a great site.
I have three cc (Chase and BofA); 100+ days late on one and 45+ days late on two. I have spoken with ccc a few times explaining our hardship, but no settlement offers yet. Chase calls several times a day from various numbers and usually does not leave messages.
I have read many different approaches on this forum: some say don't talk with the ccc until you are ready to settle, others say be polite and speak with them often.