tamir wrote:recently sold my business at a loss and have credit card debt.i have 2 chase credit cards with approx $8000 on them. over the last 2 years i have paid more than that amount in interest and finance charges. i did call them and told them my financial stituation. the person i spoke to was very nice and receptive.since i don't have the funds to payoff the full amount.... if i were to settle the account for less how much of a drop can i expect in my credit score does it make a difference if more than one account is being settled? currently i have 680 score.does anyone know of any good lenders that provide loans to consolidate credit card debt?appreciate your help.