I stopped paying on all credit cards in june of 20
I stopped paying on all credit cards in june of 2010. So far I have settled with 3 cards and have 3 to go. I owe Bank of America, Chase and Advanta a total of 33,000.00. It has been 13 months and I havent heard from any of them lately. What do I do? Is now the time to go in with a low ball offer? I hate not paying my bills and this is making me a nervous wreck. I'd like to sleep sometime in 2011! Thanks in advance for your help!