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  1. If anyone has peeked at my other post, http://www.creditinfocenter.com/community/topic/326900-who-is-smart-could-get-me-started-in-my-path-to-california-settlements/ i had 2 failed businesses & racked up 100k in debt i intend to fight & settle. -i have stopped paying on all the business cards and accounts and intend to settle with them down the road. -i have 1 personal card that is still active & current. They haven't cancelled it yet but i intended to keep it unless it will cause issues. & correct me if im wrong, but personal and sole prop debt is viewed as all persona