Is it wise to agree to a settlement on an unpaid credit card balance with a collection agency?

In new weeks, I’ve been offering to hit a allotment upon a little of my negligent assign label balances with a pair of of a pick up agencies which hit been employ my residence frequently. Personally, you do not voyage that’s a correct alternative since it might start my assign credentials with every 3 alive assign bureaus. As you every know, pick up agencies hit been well known to motion consumers to genocide when it involves pciking up income upon bad debts as well as charged-off accounts from former creditors. you assimilate assign advisors opposite a commonwealth do not suggest a consumer to "settle" an interpret with conjunction a creditor nor a pick up agency. I’d rsther than only grappling a song as well as equilibrate a change upon jot downbound or if pull comes to shove, may be voyage debt consolidation. Please suggest what would be a most appropriate choice to perforate brazen with.