Anyone worked with Advanta recently

i am at 90-120 range and had an offer, for .70 on the dollar, but its still way too much.. if i had 3k to put down, i wouldnt be in this mess.. i am going to roll the dice one more moth and see what they offer.. if not,ill take the five year payment plan!

i settled with advanta for a little over 50% of my debt, payable over 5 months ($841 per month). they were actually really nice about it - but somehow i did get forwarded to that Cohen debt collector group and i told them what the could do with theirself as they were so rude... but Advanta was actually pretty willing to work with me. They would have taken less if i paid upfront, but let me pay like $250 the first month, then 841 per month for next 5....