I am in Georgia and have had a problem in the past with credit cards and through help from my husband was able to get the cash to work out settlements with 3 of the 4 I was past due on. Wolpoff and Abramson had one for MBNA that I made a settlement agreement with in good faith and then after a month - when I expected my paid in full letter - they called me at work and asked for payment of the rest that should have been written off. I said that an agreement was made for payoff and was told that they don't do that and would not do that. I would like some direction on this please. Where should I go and do at this point? They have not called again.

