First, thanks to Supershawn and others for the help on my doomed to credit hell post. I have PFB to Cap One and offered to pay 100% of what I owe on BOTH accounts to get current, we will see what they say. I wonder if Orchard Bank would let me make the same deal? CCB can *bite me*. I don't care if that stays on my credit report for 25 yrs, they are crooks and I am not willing to work with them or pay them. I am going to use Creditwrench, per Supershawn's suggestion for all the collection accounts (90% medical bills) and maybe I can get back on track. I will be asking for more help I'm sure, but thanks to you all
