Do nothing it has to drop no later then Feb........it might drop sooner
I agree with HappyDays. You are right around the corner from having all accounts associated with this debt removed. This is probably the motivation for attempting to settle your account for about 50 percent of the balance.
You have it easy. Just do nothing and let the accounts drop off.
Message Edited by FretlessMayhem on 07-14-200810:25 PM