debt settlement after balance transfer

I think it varies by creditor and situation. I have some balance transfers that were about 6 months in when I stopped paying my CC's. I haven't been sent to a fraud department or anything yet, but I"m only about 60 days past due at this point.

JimP, you can go into a settlement program with recent transfers; but you are unlikely to get as good a settlement offer. Also, your better offers come after being in the 5th or 6th bucket right before chargeoff. Once you stop paying on them you should be saving as much money as you can for settlement. If you have a particularly "good" hardship story this can all be overcome. At some point your account(s) will cross the desk of somebody who is making the decision whether to sell your account as part of a debt portfolio, assign the debt to a collection agency, or assign the debt to a collections law firm. My experience settling debt for clients has led me to believe the last option is slightly more likely if you have recent balance transfers and then no payment hitsory on them.

How many payments would you need to make to dodge the OC from sending it to a collections law firm? What happens if you have had the account for several years with normal activity? As you can see, I'm not trying to get sued...