Pardon me for butting in but I had to provide my $.02. Those of you who are having "moral" issues with this are thinking the worst possible scenario. I just joined this forum, am a newbie, but it's because I got into CC trouble. I'm a hard working father of 2 children, am a small business owner, and pay every expense that most people with safe jobs take for granted. My 2 children were $10,000 (after tax dollars) a kid and I see others having their kids for "free" (free meaning you and I pay it in extra taxes and higher health insurance). I say these things because every one's situation is different. Lay off pinkpink, you started attacking and you don't even know the story. Yeah, if it is irresponsible spending habits that will keep coming back that's one thing. But these credit card companies are completely innocent here. Universal Default Clause? That's just an excuse to raise your rate, they don't give a darn about you, just the dollar you represent. And DisneySteve, if you say "As for this thread, sure, OP might be able to convince her creditors to accept a settlement of far less than she could afford to pay, but that isn't the type of advice I'm willing to give.", then why the heck did you even respond? I mean, if you don't have an answer why say anything? Go prove your worth somewhere else instead of belittling someone. I thought this was a site to give advice, and the last time I checked nobody likes to be made to feel stupid.
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