Can you settle debt with a credit card company even in good standing?

I am creation smallest payments with the couple of credit adjudge companies though could have difficulty juicy these in the future. we do not desire to go by the debt converging association or the debt allocation company. Is it probable to call upon my possess as well as advise them we will achievement for failure as well as communicate to solve preceding to we stop juicy for 30-90 days similar to many experts say? Can someone give me their recommendation or perspective upon this? Thanks

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