credit card debt settlement options

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I have about 20k in cc debt. is credit card debt settlement a good thing? does it affect your credit score even though the creditors have agreed to accept the settlement? I have a 7k debt with chase. they offered a 5 year balance payment plan at 0% interest. The remainder of my 13k credit card balances are currently up to date. Would it be best to just continue to pay the remaining cards or seek settlement. My objective is to keep my credit score as positive as possible.

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For Credit Card debt settlement, what happens if one spouse is insolvent, but the other isnt?

I am trying to settle my cards, and know about the insolvency clause. However, if my spouse and I file joint, how would I alone be able to prove insolvency by IRS standards?

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Does anyone have or know an address to send correspondence regarding credit card debt settlement for Bank of America VISA?

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Can someone please let me know the name to a credit card debt settlement company that does the right thing.

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After one pays a credit card debt settlement, will your credit score change at all?Will it stay the same, go up or down. Please ONLY answer if you have experience/knowledge about this.Thank you and God bless

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Credit Card Debt Settlement? How do Judges and Courts settle these cases?

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