Credit card companies won't setlte unless you are drastically past due .at least 3 months or more. Not all creditors will setlte if you go past due rather, they'll take you to court instead. Most do offer hardship programs but only if you've fallen behind in your payments. When you sign up with a debt consolidation firm, the program involves deliberately ceasing payments to all your creditors to force your accounts into default to attempt setltements for less.  Your credit card companies will deliberately not be paid so that all the accounts will default/charge-off so that they can attempt setltements at around 50%. If you are current on your accounts, this process will ruin your credit rating. You can never predict how your creditors will respond to the deliberate defaulting of your accounts they might setlte at 50% or they might serve you a summons, take you to court and if they win, you could be looking at wage garnishment.A better option may be to enter a debt management plan through a non profit credit counseling firm like CCCS. They can negotiate reduced payments and interest but NOT setltements. Contact your local Red Cross or use this site for a referral:     If the CCCS does not work and you've exhausted all other means, then you should think about filing for Chapter 7-
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