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40% of the balance. They have been the best to deal with. The WORST has been Washington Mutual. They insist they can't go below 50% of the balance. Because of this, I have done hardship payments...

I am in the process of trying to settle over $60,000 in credit card debt. Realistically, what percent of that amount will I end up settling on? I was told to start at a minimum of 25% and go from...