<prompt> Human: I have a friend who puts a lot of money on his credit cards every month, then pays it off every month. Usually its around 45k on one card, and smaller amounts on other cards. He just received a debt settlement offer in the mail. Is there any reason that he shouldnt jump on that, settle for less than what he owes, then immediately pay it off?Would that impact his credit in any way?  <response>: Why would he get a debt settlement when his account is presumably in good standings based on the fact he can swipe that much a month and pay off? That make zero sense. 