具体来说就是下面这个过程。有人干过吗? 还是说这个版上都是找credit card deal的? 那么这个问题到哪个版问比较好? If you declare bankruptcy, it is possible that the entire credit balance will be wiped out because credit card debt is known as unsecured in most all cases. That means that it isn’t backed by any specific collateral, just your promise to repay. (A mortgage on your home, in contrast, is secured by the real estate and failure to pay can cause the bank to seize the asset to recover some of, if not all of, the loan balance.) This would be the worst- case scenario for the credit card company. If you have missed several payments already and your credit score has been hit, all it takes is a series of phone calls to the company explaining that you are seriously considering bankruptcy but you want to avoid that. You want to make good on as much debt as you can but, frankly, you don’t know if it’s possible. Then, offer to pay off 25% of your credit card debt balance over the next few months in exchange for the company freezing interest costs and closing the account.
you can ask the bank for TDR (trouble debt restructure) but tbh there is not much you can do, either charge off or file BK, bank would never settle 10k debt for 2k because they can sell the debt to collection company