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Okay here goes.. I've done plenty of research, as much as I can without going crazy. I read the Debt Settlement, Step by Step topic and was really hoping Step 20 was going to be posted before the end.. Not finding the answers I need and the copious acronyms are a little intimidating. I have a $5000 best buy credit card debt which I have not paid anything on since 2/2013, so a little over a year. I called best buy, they have since switched from capital one to citi bank and they gave me the number for citi card 800-978-8800 (I googled that which brought me to this forum, actually). I have not c