Hello, new here and trying to learn as much as I can. We are wanting to settle our credit card debt. We have 9 cards and are looking to settle on 7 of them. We have never been late on payments except a couple of times but paid next month. Problem is we have minimum payments that total almost $400/month. With one income which is self employment, money varies month to month it can be very difficult. I've had to make my payment and then turn around and use it to pay other bills or buy food. Obviously feel dumb for even getting in this situation but here I am. My question though, even though we aren't delinquent does anyone think or have experience of any success of offering 40%-50% of whats owed? Or do I really need to quit paying altogether and try to settle a few months from now? Not too worried about credit score going down as we have no plans of refinancing our mortgage or taking out any new loans. We own both our vehicles as well and no other debts. We have around $13,000 worth of debt and $7000 to hopefully settle with. Thanks for any advice!