how to handle credit card calls

They wont settle with you while you are current....it is going to take a least a couple of month.

As Soaplady said, "it will take several months". I settled 6 recently and never brought up "settlement" myself. I think it is better to play dumb and let them offer than you can counteroffer.

should i make any payments at all until getting a settlement offer? for example one card that's around 120 days late is asking me to pay $100 to keep it from charging off. is that a good idea or should i just stall until they make a settlement offer?

So what exactly can ras say to cc companies? "I don't have the $ right now", What would be the language to use? PS..How can I change my member name to on this site? or edit it how? can anyone help?

I have taken calls and simply state we would like to settle, and will have to ask family for help if we do so. They keep pushing a payment plan and I simply tell them we cannot commit to that option. I am working with B of A. They have been very polite, however, did state that if I can pay AE then I can pay them, even though we were using AE for groceries, gas, etc. So now I have stopped using that also. It is just a red flag.

Quote: