without giving away anything, who were the other two?

(obfuscated) Cittyskank and Gen Eclectric Mooney Bunk (Wallyworld card). Both represented by the same crooked law firm, which took both cases about the same time. There's something fishy about that, I think.

and are you going to court?

How far behind were you on them?

Yes, I am fighting them in court pro se. The law firm got both accounts when I was about 9 months behind on them.

Good for you! Go get 'em. Good luck.
Here's a useful link to someone who claims to have beaten three conampies, Pro Se, attempting to collect:
howtoanswerasummons.com/howtowinjunkdebtbuyerlawsuit.htm

Hey, does anybody know if I am in a better position to negotiate with a credit card company if they see that I sold my house or will that hurt me because it looks like I should have more funds to pay bills now?

Hard to say. A creditor factors in a lot of things when they consider settling. Like how much you owe them, how delinquent the account is , what state you live in , the other debts you owe that they see on your credit report , and your hardship and budget. These are just a few examples other things they look at before considering accepting a settlement offer.

__________________
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a lot of home sellers today have little to no equity in their house when the sell, so no profit or cash is left after selling exprnses are paid. what matters is how much you owe and for how long.

I sold the last of my annuities for $7,000.00. I owe in cc debt about $30,000.00 to three cc companies. $9,000.00 of this is to advanta which is charging the largest interest. I am in a nonprofit debt payment program and have been paying religously for the last year. I am out of money except for my small pension once this is spent. I have heard that I cannot get a settlement unless I stop paying. Should I stop paying Advanta? What amount should I offer for a complete settlement? Other advise appreciated. Thanks

I sold the last of my annuities for $7,000.00. I owe in cc debt about $30,000.00 to three cc companies. $9,000.00 of this is to advanta which is charging the largest interest. I am in a nonprofit debt payment program and have been paying religously for the last year. I am out of money except for my small pension once this is spent. I have heard that I cannot get a settlement unless I stop paying. Should I stop paying Advanta? What amount should I offer for a complete settlement? Other advise appreciated. Thanks

I have been on this site since 11/08. I am still getting the calls from ADvanta and have now received a letter with a "model complaint" that they may file against me. Have they sold their accounts or has anyone else received this letter?
Thanks for your replies.

I also received a very official looking model complaint from Advanta back in February, and so far they haven't done anything more to me other than call every day. I've had three outsourced collection agencies on their behalf....Allied International, Advanced Call Center Technologies, and Phillips & Cohen. Phillips & Cohen has been the most recent, and they stated that Advanta still owns the account. So apparently they haven't sold it off yet.

I received a "sample complaint" today - I'm in TX and to make things interesting, I have the Advanta card but I don't have a small business - years ago I accepted the card but never had a business - we had a job loss and the account is over 180 days past due - they wouldn't work with me when I could pay and now I just can't - if I do, we don't eat basically - do they actually pursue judgements?

Is it true that Advanta can only settle for 70%? They told me this is the best they can do.. not a penny less.

They are lying. They told me today that they don't even do settlements because their investors won't let them and if they gave settlements they would have to make up the difference. I had a good chuckle over that one.