I had a MBNA cc that had a 11k ballance, I started using Superior Debt to consolidate my debts, well MBNA didn't want to play so they finally sent it to arbitration, I lost that, then it went to court where I had to agree to pay the debt. They MBNA lawyer gave me a number to call to make payment arrangements, when i did we agreed upon me paying 2k upfront and then $200 monthly payments. Well after about 4 months of this, I get a phone call from a different guy at Mann Bracken telling me they want to make an offer to let me pay my debt off for $7000.