Yes this is unsecured debt. To be honest, I think it is more of the law firm handling the arbitration for the credit card company that is not willing to negotiate. The credit card is through a well-known, very large bank. Obviously if I do not have the money to pay the debt, I do not have the money to get a lawyer and do not qualify for legal aid. Although I have called a couple law offices to try to get some advice with no luck. I live in a small town so my choices are limited. Thanks for your response.