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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 called them yet, but I wish to settle $500-$1000, the lowest they will take. I've heard that calling at the end of the month will help, as they need to fullfil a quota and they're more flexible. The way I see it, step by step for my case goes like this: -Call them -Give them info to find me -Offer $500 settlement -Haggle and find a compromise I just want to make sure I'm not missing anything.