I have 2 cards on which I already max out my limit. I am receiving a lot of unknown phone calls currently and that I have tried answering one call and those were the 3rd party folks. is it possible for me to just settle it without paying the exact amount?

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Please give more information, your post dosent really make sense.

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Declines in credit card debt are often misinterpreted because they fail to include information about charge-offs. The possible causes for a decline in credit card debt are consumers paying down their debt, credit card companies writing charged-off debt off their books, or a combination of the two. Inclusion of charged-off debt can therefore significantly impact debt trends and the characterization of a nation’s financial health. For example, the $10.3 billion decrease in outstanding credit card debt in Q3 2010 relative to the previous quarter might at first glance seem to be a significant consumer pay down. However, considering that the Q3 credit card charge-off rate was $16.9 billion, consumers actually increased their overall debt by $6.6 billion during this quarter.

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Did not get your question please make it clear.

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probably not - if it has gone to a third party then you they will be chasing you for a significant amount. Before you panic or make any harsh decisions then I think you should speak to debt advisor and they might be able to consolidate the debt if it is with the same company.

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