12/9 Made me a really nice offer - said they would accept 20 cents on the dollar for all four accounts! On roughly 75k total, the payoff would be $15,400 - not counting the taxes when they 1099 me (roughly 12k?). Too bad I don't have that kind of money, plus none of the others are making me any offers like this .

Just FYI, my last full payments to them were in May and June of this year. I'm sure they're getting very close to charging off our accounts. Interesting she didn't threaten that though...