Hi, I have been reading many of the post on this forum and it is very helpful. I am carrying quite a bit of debt. 1/2 is business lines of credit(which is really me because I had to sign personally). The other half of my debt is a variety of credit cards in varying amounts. It is now about 60 days(90 days since I paid anything) or more late for all of my debt. I have quit using all credit and paying cash for everything. I am not answering any calls. So far I have recieved on one settlement offer from Citi in the mail. I was quite surprised because it seems early in the game. On one account they state in there offer letter, they are willing to settle for 50% of what is owed. I have other accounts with them but no settlement letter for my other accounts with them. It also states if "I qualify". I have burned through quite abit of resources to keep my credit good. But cannot keep burning through money just to keep my credit score up. I figure to let it go to crap and hopefully settle for them. Get it over with and start again. Any good guide book or source of how to handle timelines.? Also any info on PNC business line of credit and handling them? I am hoping that each one starts the settlement offers first. Don't want to blow this and want to do this right. Any help is appriecated.