Ok so this post is two things. The first is this past week we got two offers to settle our credit card debt balance of $20,000.00 for $9679.00. Then a second for a $17,000 balance for $11,000. Problem is we don't have credit card debt. We did two years ago but nothing that large. This caused me to check our credit today. The second part of this post is a question... You can actually settle and pay less for credit card debt? Did you know this? Isn't that bankruptcy?