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Is there anything I should know in DIY settlement in regards to a business credit card vs a personal credit card.. 3 are with Chase..the truth). 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.. Thanksi have a debt judgment in canada. 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).(chap 7) I have a 1999 grand prix gt with 200K miles on it, its averaged $200 per month in repairs over the last 3 years and is in need of more (its paid off, not worth much).. I have spoken with them twice in the past five days. I know I've see. Last week I was offered a 50% settlement, spread out over 75 days.. I know there are several threads here on dealing with Cap. I have put them off twice about that saying I was too busy to give financial info (kids in the shower, etc. Which should I attack first?I am VERY close to being charged off on a few of my cards, one of them is set to charge off on the 31st. Will they delay charge off to give enough time to send me the offer in writing and for me to send the payment? or do they have to receive all payments before the 180 day mark?