Capital One call me with bank information.

I just got call from Capital One and they know i have enought money on my Wachovia Bank to settle with them at 80%. I was so shocked that they have access on my checking account. I bollowed from my co-worker $10000 each so $20000 was available to settle with Citi and Discover and they call me immediatly when funds are available.

What is my strategy here, I don't think I can say that money is for settle with other creditors. Also, how they can access my account to know my balalnce?

Please share with me any idea.

Please see below for my original Thread and updates.

---------------------------------------------------------------------------------------
Hi all,

As I posted here, I have been successfully settled with 4 accounts so far.
Citi: 20% out of $25000 and three Chase at 30% out of $21000.
Thanks again to all of your advice here.

As usual, I have stuck with Capital one and Discover along with one citi card.
All three account is about to charged off end of this week since it's been 6 month now.

Citi: asking 40% out of $26000
Discover : asking 60% out of $16000 (around $4000 is added by all the fees)
Capital One: Asking 80% out of $26000

Here's my question, I talked to one of law office today and they charge $2000 for all three account for one year service agreement.

I really need you guys advice here again. I was thinking to settle with Citi and Discover before it charged off and asking only Capital one to lawyer. Law officer is confident that they can settle for around 30% on all accounts which is different story that I read here.

My question is should I settle with Citi and Discover before charged off or is there any chances that Lawyer can deal with them after charged off?

Please let me know if you have any idea or opinion.

Thanks in advance!!