Hello all, wow there is a ton of information here. I have a question, I owe Advanta business card about 31k and they made me one offer of a 9.9% interest rate over 4 years on a payment I could not afford. I am a small business owner that has taken quite a hit in this economy, and I just stopped paying. I did keep in contact with them, but I guess they just gave up on me. I think I was at about 120 days or so. Here is my question. Today I got a message from Phillips & Cohen asking me to call them back about my Advanta account. I guess this is where things start getting tough.