Has anyone settled with their creditors for 10%?

Have three credit card companies ($6K, $22K, $38K) and two line of credits with same bank ($25K)

$22K cc already has agreed to 10% settlement. I have already paid BK attorney 85% of BK fee. All but line of credit has been...

I have been trying to clean up both my daughter's credit reports (I have PofA). My Bank of America account and Citibank account are listed on their reports. I've settled these accounts; however, they were listed as joint. They were never joint, only authorized users and that was 10 years ago.
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