Hello All, I am new to this forum and could use some help. After a stretch of unemployment and wife's medical issues, i have fallen behind on my CC payments. This all started 2 years ago and i have yet to pay one bill since. I would like to start the process of at least negotiating. I have received collection letters of up to 70% off some balances. Here are my questions: Is it possible to deal with only one agency during the process or do i have to work with all of them? Should i call the credit card company directly and ask if they can offer the same or did they already charge-off? Like i said, this is new to me, so any help is appreciated. Of course, the easy way out and the cheapest route is BK, which i really dont want to do. Thanks in advance.