Understand the decision.
Account for every card.
Start with the settlement decision, look at all your accounts together, then compare the actual alternatives.
Is card settlement worth considering?
Learn when credit card settlement deserves a closer look, what to try first, and how to check whether the risks and payments fit your situation.
4 min read 02The whole pictureOne card or several?
Organize multiple credit cards before considering settlement. See why a successful agreement on one account does not settle the rest or prove the whole plan works.
4 min read 03The alternativesSettlement, hardship or a DMP?
Compare what credit card hardship, debt management and settlement change, what they cost, and which questions to answer before agreeing to a plan.
4 min readBring the questions.
Check the actual terms.
General guidance can help you prepare. The issuer, counselor, collector or attorney still needs to review your actual circumstances. Program availability, legal rights and account terms vary.
Build your conversation checklist