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Need advice on CC

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Posted 18 March 2017 - 01:40 PM

Getting right to the point
Should I let my cards go to collections & try to settle for pennies on the dollar" plus the "deletion"or should I work out a plan to get the lowest apr lowered on the cards? They closed most of my accounts & I closed a lot of them as well.

BK is not an option,
NFCU 2 Cards/
Cap 4 Cards 2 of these are from 2003 that I want to keep for age & other 2 from 2012 that I closed
Barclays 1
Best Buy 1
Synchrony 4
Local CU 1
Ford Credit
ED Fin

Current is my CU,ford,Sheffield & 2 cap ones
Will take all advice.

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