I have around 85,000 in cc debt.
3 Chase ($13000) $6500 /$6500 total $26,000
1 Credit Union $23,000
1 Capital One $17,000
2 GE Money (Sams Club and Old Navy) $4500, $4500 total $9000
1 Target Bank $ 9,500
I am struggling to pay all these and I am already on low rate or o% plans with all of them. I have no money saved for negotiations but if I stop paying them now I can save $1200-$1300 a month for them. I have heard that the credit unions don't settle so should I continue to still make that payment on that one and stop the others?