 that this moron only offered you a six grand settlement on a $7,000 balance. I would have guessed they would have offered 50 cents on the dollar, hoping you would offer a quarter on the dollar. We generally can get most of these bad credit card debts to settle for somewhere around 15 to 20 cents on the dollar. All we do is just call them up and yell at them. Okay? And your financial hardship really doesn't matter to any of them.