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RKS2015

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will they offer a settlement to pay cards in full?
thinking of filling for bankruptcy if i call card companys will they offer a settlement

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It would really depend upon the credit card company and the status of the account, you will have to contact them and ask if they would settle for less. I would do as much reading as you can on the subject before you proceed any further.

Top Contributor
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And I would suggest avoiding bankruptcy-, especially if your primary reason for doing so is due to the credit cards.  Credit cards are "unsecured" debts which means there is nothing purchased with credit cards that coud be sold to try recouping some of the debt.  In a bankruptcy, secured debts are paid first and credit cards are at the tail end of the line.  And, if you are filing bankruptcy due to mismanagement of credit now, you are likely to repeat the same mistakes later on.

Do a search for Dave Ramsey and follow his advice on handling credit card debt and try avoiding bankruptcy which, by the way-, hurts your credit for 10 years.  Unpaid credit cards only do so for 7..

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