Poster Comment:
I was speaking to my last (out of many) ex-girlfriend, who told me she had made a deal with one credit card company, to which she owned $5000, to settle for $2500. She sent in the money, and found later she got a statement listing the money as a payment, and the company wanted the other $2500.
She told me she's going to use the card (which was supposed to be turned off) to spend the rest of the money you to the limit, and not pay them another cent.
Turtle has been having fantasies about calling these banksters out for a duel with pistols at 20 paces.