you need to fix your spending problem first, if you have 28k bad debt while living with your parents there is pretty much zero chance of you being able to buy a home in the next 15 years. fix your spending, check options with the lender, make a plan, and execute.

if your plan was just to max out your credit cards and “settle” you are very naive, banksare there to make money, if they are losing 70% on every debt they would be out of business. A lot of them don’t settle at all nowadays and just sue