Thanks guys....two accts closed by creditor, one closed by me. I will not get a settlement, I intend to pay every dime since both BP and Chase were used to finance sons college education. Down from $17,000 to $11,000 and counting. No financial aid so the entire $58,000 paid by us GULP.
I'm currently working on selling unused items on eBay and am being quite successful, raising about $100 additional per week.
I will write to both accounts and ask them to reduce interest. I have been able to make more than the minimums on all these accounts. I'll know what the report says next week.
THANKS AGAIN!