Just started debt settlement, I've missed exactly ONE payment for each card (together totaling $16500). So far, so good. But Discover has gotten nasty. Already, my account was sent to a law firm /debt collection place, who called me at my work to tell me if i didn't appease them by noon, they would move forward to litigate. They said Discover would not work with my debt program, nor would they. Good lord, I JUST started the program!
The debt settlement place said they're just blowing smoke, they deal with Discover all the time, and with that firm all the time.