OK. So. I just need to bounce some ideas off of your heads and see what you think (OK, not literally), but you know what I mean! I will try to be as simple as possible: Facts *I am 31K in credit card debt. With the change of jobs, I have absolutely no money for any amount on these debts, and they have become delinquent by 6 months. *I am receiving 20K from my grandmother's estate. *I need a new car Possible Solutions: *With the money I can pay 2/3 of this debt off, but the remainder I would still not be able to pay. The other 11K would still be sitting there mucking up my credit, making me unable to get a car loan. *I could probably "settle" all of these debts with this cash - but again this looks really bad on my credit - and make me unable to get a car loan *I can buy the car with the cash and worry about the rest of this debt later when I am able to formulate a plan to pay it. I know, it is like a flippin logic problem!!! Any advice? Any solutions I have not thought of yet? Let it fly!