Is it unusual to receive a low settlement offer from Citibank and BoA?
This is the second time asking this question. Hopefully, it'll get posted this time. I recently received within the last 2 weeks, a settlement offer from BofA to settle my debt at 50% and one from Citibank to settle for 25%. Is it unusual to receive a settlement offer so low from Citibank? I've never even fought or negotiated with them. Should I hold out on the BofA offer in order to settle for less than 50%?