Reply #1: You might try doing it on your own

[independentpiney]

My ex went on a credit binge after I went on disablity. I was able to get Citi and BOA to reduce the interest rates on their cards to 6.5% and a couple of the store cards to settle for the balance owed on the actual purchases, no late fees, interest etc.
My credit rating is still shot for another 5 years though because I refused to pay on any cards she took out without my knowledge with me as primary borrower.