I don't know if your still in your situation at this time but what might be best is to simply walk away from you debt and let the credit card companies charge off your debts. They do it all the time, we got in a tough situation seven years ago and let four accounts go into collections and then all but one were charged off. One company took us to court and we had to make payments spread over a year. But after seven years everything is now off our credit. We realize that we have a problem with credit and only have loans for our car and home. Anything else is cash, we don't even have a checking account. I hope this helps some, Good Luck to you.
