Report Now here's a question that sounds crazy.. in Debt Settlement Posted September 7, 2012 0% APR cant go wrong.Send us a post card.hmmm.. do i detect a slight tinge of sarcasm there? next question:I owe $10K and $4K respectively on two Chase credit cards, and $5K on Capital One. What should I offer them all? I can probably manage to pay about 30% of each with family help. Is that likely to succeed? How long will this negotiation process take? I don't live in the US any more. Will they try to sue me here in the UK over these amounts? I'd really like to hear from someone about this. I'm in the midst of an ugly divorce and have had to move back home with my family in the UK with my two kids, on our own.