4 years ago, I lost my job, health, and all my savings. My 0% credit cards raised their interest to over 28%. As a last resort, I defaulted on all my cards. I settled all my cards since then except MBNA that has been charged off, and handled by a law firm. I have been unable to work a reasonable monthly payment with the law firm as they maintain that MBNA requires them to collect a certain amount. When I called MBNA, they maintain that since the account is charged off, it does not belong to them and have no say so on how it gets handled or paid.