I am about 3 months past due on my credit cards. When should I try to work out a full settlement on the cards? Family may be able to help me with some settlements. I have looked everywhere for a timeline but dont see anything. Some people say 4 months,,,,some say 5 past due. I have chase and I see people setting for 20-30% and wonder what their timeline was for being past due. I am getting frequent calls but not able to respond/answer so not sure how no response to them affects me either. Any thoughts appreciated!