I may be ready to settle with first select a CA. They purchased 2 of my accounts 1 from mbna 1 from discover. These accounts went chargeoff 9/01 (job loss). mbna balance was $34k discover was $3100. Anyone worked with this CA b4? I can settle for about 25% on each (lump sum) . first select is not on my bureau yet. Mbna & discover show $0 balances debt sold r9. Any help appreciated.