I talked to an attorney for a debt settlement with a major bank on a large balance that I am behind on payments. I recently closed down my personal checking, savings, CD accounts with them and haven't reopened anywhere yet. I have another small credit card with the same bank that I have been on time. I have had health problems that set me back. This bank had given me no interest offer for a year and the reset rate is very high. I asked them for help with reducing the payments and they said no. Credit counseling was not helpful since I still couldn't afford the schedule they gave me. My husband works and living on his income. I am an agent with no income in the last year. I don't want to file BK. I feel responsible and would like to pay a portion of the balance off. Will they be difficult?