i have 60,000 in cc debt. 22k with boa, 15k with wamu, 15k with union plus, and 8k with chase. i am about 70 days late on all accounts and my 22k boa was turned over to i c systems collections .my settlement company has notified all cards with cease and dissist, and power of attorney paperwork. ic systems were calling everyday and being very nasty, then 2 weeks ago the calls stopped, the 8k cahse card call every 3 days and are pretty nice. i haven't heard anything form the other 2 cards yet. i have paid 3 payments of 750 dollars to my settlement company . my account has 1500 in it.