I did consult one additional attorney who has handled thousands of cases in my area and he says that filing chapter 7 would be quite risky as trustees are quite aggressive at present.

The other attorneys suggested I use some of the insurance money to pay down student loans, open IRAs for my wife and I for 2013, and perhaps do household repairs. The last attorney I did contact said that the other attorneys I had consulted did not have enough experience and that they were simply after money and did not really care about my situation.

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How should I negotiate credit card settlement with USAA, Bof A, Chase, Citibank, Capital One?

—Leroy What are the balances owed on each of your USAA accounts, and what types of accounts are they (credit cards, personal loans, auto, etc)?

The non profit agency I consulted suggested to consult a bankruptcy attorney to see the best way to protect our $70k equity in our home.

I did consult 4 BK attorneys and they all suggested filing chapter 7.

Michael has participated as an expert panelist in federal consumer protection rule making, collaborated on state law changes governing debt consolidation, has worked as an expert witness in court matters related to the debt relief industry, and is a regular contributor to several personal finance websites.

I can help you get a better understanding on the other accounts (USAA and US Bank), when you post answers to those questions above.

By the time you read through the 7 or so sections, you will be well equipped to make your first set of calls to USAA and your other credit cards.

After you read through the debt settlement sections on this site, and get all of your questions answered along the way, you should feel a high level of confidence that you can negotiate your debts.

How late on payments are you with any of these banks?