I am in the preligation deptments on my discover c
I am in the preligation deptments on my discover card and capital one. Both cards are deliquent about 7 months. Both won't settle for less that 75%. I owe 12000 on discover and 2400 on capitol one. I have very little money. What to do? Should I wait for a better settlement or file bankruptsy. I have already settled 4 chase card for 30% each and Home Depot (citi) for 20%. I still have about 6 more cards to go 3 have not been charged off yet. BOA 2 and Barclay bank 1.