I started another thread a year or so ago, and received great advice.   In the end, we sent CCA requests to the creditors and I believe two sent responses. We didn't make any settlement offers. In fact we decided in view of the fact that the defaults would likely remain whatever we did to do absolutely nothing and see what happened next.   The baby is now 10 months old, and our housing situation is now secure - some family money has meant that a house is now owned outright in my