HELLO ALL!!! I am a new poster, but I have been reading and READING... SO much to learn! This is like a full time job! I thought I made a HUGE error by settling with a CA, final payment due Feb 07. I was sure they would just keep taking money out of my account, but HOLY COW, I got a "paid in full" letter from the yeaterday. Now to get it off my reports.. I am hoping this is good Karma! thanks for this board, it gives me tremendous confidence!