Good advice. Yes I'm current on every account. Never missed a payment. My FICO score is mid 700s as well so I don't want to trash my credit, default for 180 days or however long it takes for them to be willing to settle for less. More I think about it I'm the ideal card holder. Rack up a debt I can't afford in a timely manner and pay the minimum on time every time - why would they help me pay it off and lose all that interest? No leverage.

