One creditor has been auto-calling me daily for a long time, so I decided to pick up this time. I must have shocked the computer or something, because they ended up hanging up on me before speaking. I called them back, it is one of the 4 credit cards outstanding and they of course wanted $1944 to bring the account just current and around $4300 to settle the ~$6K balance. I ended up making a $300 hardship payment to keep them satisfied for the month and we'll see at the end of next month about making a $300 payment then. The collector actually disclosed a fair amount of information to me, such as they accept 70% as settlement, that the payments made can be used in negotiating a smaller settlement, etc. I know, it's not in writing, so don't believe everything you hear.
I've got two more credit card creditors to contact this month to see if we can put them at bay so we don't have them go to court like Chase's hired creditor wanted to.