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I am not sure which is better to pay off first: credit cards still with the actual credit card company (discover, chase, etc) with a larger balance ($2000-$4000 range) or smaller debts ($400-$500 range) that have gone to collections. i have moved to the usa a year ago and i requested again and again due to the fac.. Anyway, Chase is offering to settle for 55% of the $1500 I owe... One loan with a $20,000 balance..I was a little surprised at how easy it was. I have spoken with them twice in the past five days.. I just heard from my debt settlement company and since I am still very new to them, I got my first settlement offer from Chase (I have 3 CCs with them, but my lowest balance of $1500 is one of them). What do I tell them when they call? Just that I can't pay now and don't want to go into a program? Won't that tel. I have put them off twice about that saying I was too busy to give financial info (kids in the shower, etc.(chap 7) I have a 1999 grand prix gt with 200K miles on it, its averaged $200 per month in repairs