Scrimdods

In a credit card debt settlement program not every card a debtor has must be included. However if you have multiple cards with the same company they should all be included. Because if they are not they will eventually be closed when you fall behind on the cards you are looking to settle with.  It is recommended however to keep off a card if it has a low balance and can easily be paid off by the debtor. And it is good to have a line of credit open for emergencies or things such as booking a hotel room or a flight.  But any debts with large balances that will never be paid off on their own should be included into the program.