My question involves collection proceedings in the State of: VA
I have approximately 35K in cc debt. I have managed to settle with BOA for 1/2 of what I actually owe. I am now working on settling my Discover account which I owe around $4K. Has anyone ever worked with settling with them? They are tending to be very hard nosed and indicating they will not settle. Any help or suggestions would be much appreciated.
Thanks

