I have mentioned everything regarding settling credit cards in my hub: hubpages.com/hub/Harassment-on-phone-by-... check out this hub for an answer to your questions about CC settlement.
Pay 40K by cheque keep xerox copy of the check write everything that has happened including your job loss and send the letter keeping a copy of it by registered mail and tell them matter is closed as per discussion and let them go and take legal action. It will take time and money for them. If you get notice from their legal dept send xerox copy of your letter sent and tell them the matter is closed.
Keep copy of that letter also. You may than get a court order to appear go to court and tell the judge that you have no money to hire a lawyer and you want to plead yourself. Then if the judge allows take one month time to prepare for the case.
Mean while won't you get a Job. Tell the Judge you will pay in 36 installments he will give 15. That's the end of the ICICI story.
I have mentioned everything regarding settling credit cards in my hub: hubpages.com/hub/Harassment-on-phone-by-ICI.
Just check out this hub for an answer to your questions about CC settlement.
I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.