I did have assets at the time, but it was to costly and time consuming for them to come after me. I do want to get credit in the near future, but I let on that I didn't care. The key to getting low settlements is to never volunteer information that they don't know. I had rude collectors call me all the time and instead of arguing with them; I would call the creditor directly and faxed them my settlement offer. The creditors are much easier and understanding to deal with when it comes to peoples’ financial hardships.