I just got done on the phone with all those people that have been calling trying to get money out of nothing for along time. I saved this past year and took and paid settlements to all that would accept which almost everyone took a 50% settlement. I have two Cap1 cards and an ARIA that I don't know how I got. I am going to cancel it. Was that the right thing to do since some of which is charged off and is 50% to much or not enough and what is the next step?