Creditors

Creditor-specific settlement guides with negotiation strategies, typical settlement percentages, and step-by-step instructions.

Modernist editorial illustration accompanying a guide on settling Bank of America credit card debt.

3 min read

How to settle Bank of America credit card debt: hardship program and settlement percentages

How to settle Bank of America credit card debt — hardship program details, settlement percentages by delinquency stage, and the negotiation playbook that works.

Modernist editorial illustration accompanying a guide on settling credit card debt with Capital One before a lawsuit is filed.

6 min read

How to settle Capital One credit card debt: settlement percentages, hardship program, and negotiation steps

How to settle Capital One credit card debt — pre-charge-off vs. charged-off settlement percentages, the hardship dept dial path, and step-by-step negotiation strategies.

Modernist editorial illustration accompanying a guide on settling Chase credit card debt before charge-off.

4 min read

How to settle Chase credit card debt: hardship program and settlement percentages

How to settle Chase credit card debt — hardship program details, settlement percentages by delinquency stage, and the negotiation steps that work.

Modernist editorial illustration accompanying a guide on settling Citibank credit card debt.

3 min read

How to settle Citibank credit card debt: hardship program and settlement percentages

How to settle Citibank credit card debt — hardship program details, settlement percentages by delinquency stage, and the post-charge-off debt-buyer dynamic.