Hi everyone, like many people this year I lost my job and my apartment and my credit card debt began to spiral out of control. I went from at 750 credit score to now a 522, I've accepted the damage and now I'm just trying to settle cards where I can as I've come up on alittle bit of money. I just settled with Chase only 50% but it was my first time settling, I'm learning now that they aren't always honest about whether they actually settle or not.
Here are the remaining cards:
Apple Card by Goldman Sachs - $4,114.36 (150 days past due, they say they don't settle)
Discover - $2,517.30 (only 25 days past due, showing no settlement offer)
Petal Card - $2,486.70 (150 days past due, say they don't settle and said they don't send to outside collectors)
Does anyone know about these and how they work or if they settle?
