I\'m about 139 days late
I am 139 late on 2 credit cards, cap 1 and chase. I lost my job and I\'m drowning in debt. I called trying to settle with them and they tell me that there are no offers of settlement in my account. That it is all done with the computer. They also told me that my accounts will be charged off. Is that good? Will my chances of settling be better after the account is charged off? Please help!!!