have been trying to work out something with B of A, but so far they are sticking at 40% over the 93 days, which is just not doable, and that is with the senior accounts "special" number that several people have shared/recommended. they did advise that if i don't set up a settlement with them, that there is a secondary department that can possibly work something out with me (may be at a bit higher %age, but can do longer terms).