I've spoken about this customer of mine out in Oregon who got sued by First Select over a Providian account she faulted on before and she is the one who told me that she had heard that rumor. She used my suggestions on how to defend herself and as soon as she started aggressively applying them, they turned tail, dismissed the lawsuit and started running for the tall timber. So if Providian does go belly up which seems a resonable possibility due to their latest Wall Street problems plus the millions of dollars they have apparently had to spend defending class action lawsuits, we are going to see another X.Com fiasco where NCO will most likely get involved and buy them out for pennies on the dollar if that then go after everybody putting hickeys on their credit reports and generally screwing things up for everybody. If there seems any likelyhood that Providian might go belly up, it would be a fairly good idea to pay only the minimums on the card and build the balance as high as possible until we see if they do go belly up then sit back and wait for NCO or whoever buys their old debts to come charging after us and then make NCO pay the fiddler as well. Double payday that way. Looks like NCO has just flubbed the dub too. I see I just got a new hickey on my credit reports from them for just exactly the amount of my old X.Com account which they agreed in writing to remove posthaste. If that turns out to be the case, I'm really gonna put the blocks to those birds. Not likley they would have two accounts for exactly the same amount from different creditors, so it's a pretty safe bet I'm gonna have a very negative effect on their bottom line before this little party is over. Breach of written contract, maybe fraud, who knows yet where I might be able to take this one. Sure gonna be fun finding out.