<prompt> Human: Last week I lost my job of 7 years without any notice beforehand and it has put me in a tough spot because 300 of my monthly income has been going towards my credit card debt.I have little money saved and what I do have will need to go towards mandatory bills, leaving little to no room to continue to pay off my credit cards. I have been looking into options to see what I can do as far as cleaning this mess up once and for all.I currently have some money put into the stock of the company I was working for 11.57 in WMT shares roughly 864 and access to my 401k at the end of this month balance of 8,231.My question about the whole situation is whether or not it would be wise to use these to pay off some of the credit card debt I have as debt settlements. Unsure how much debt settlements with credit card companies affect my credit in the long run. Or continue to keep the accounts open and request they lower the monthly fees so that I can stretch my budget each month and pay them without touching either of my accounts.I am moving across the country in a few days, have already started applying to jobs, and am terrified at what may go wrong. If you have any insight or need any additional information before you can answer my question better please let me know. Any insight is greatly appreciated, thank you in advance!How much could I get away with paying to settle on each account below?Additional Info:Chase BankCard1 has a balance of 2,895; Paying 80month at 21.24 APR.Card2 has a balance of 4,898; Paying 113month at 15.99 APR.Card3 is paid off with the creditor.U.S. BankCard1 is paid off with the creditor.Card2 has a balance of 1,358; Paying 57month at 22.99 APR.BarclaycardCard1 has a balance of 1,177; Paying 34month at 22.99 APR.  <response>: For Chase Bank you can enter into a Balance Liquidation Program where your interest rates will be reduced to 6 for each account and you will have a 5 yr pay off plan. card1 48.25 interest due that month. card2 82 interest each month. Chase BLP 1-800-472-0497 