Just to clarify a bit, the debt was due to medical reasons where my only option was to place it on credit cards or possibly not be here. It was a tough choice to make and I knew I wouldn't be able to pay all the credit card debt I was charging, but when faced with such a situation, sometimes you have to do things that may not seem ethical from the outside.
My two choices at the moment are to declare bankruptcy or try to negotiate a settlement. Due to still high medical costs for ongoing treatment and medicine, I need to settle with the best terms possible. I can probably pay 50% right now as I mentioned, but with the uncertainty of future medical costs it seems wise to settle for the lowest amount possible so I don't end up here again.
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