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If you are indeed being sued that is one matter...if you're only being THREATENED a lawsuit, that's a horse of a different color. Generally speaking, you can expect to be able to settle for something in the neighborhood of 40-50% of the total balance due, but you can make any kind of reasonable...

the only one that really is legit is the Consumer Credit Counseling agency.

I am a single mom with two teenagers and a deadbeat dad. I work for an insurance company as a customer service representative and make so little that I receive public assistance to help me with my health insurance, utilities, and food stamps. I have a credit card that I maxed out when I...