I hve a chase credit card that was just sold to MCM. The amount is roughly $9,100 and I have not made any payments to it in the past 30 months. I also have 3 other cards for a grand total of roughly $31,000. I have settled on 2 of them (or actually came to agreement on a price, just haven't payed yet), and for 20 cents on the dollar for both of them. MCM won't come down as much as I need to because I only have a certain amount of money. Since chase sold the account to them, will they end up selling it if I don't pay them, or will they sue?