hi thete i have another post on here regarding cabot financial, after i put that post up, my second cc debth with mbna contacted me and to make a long story short, they are asking me for a once off payment of 2800 (debth is 7200 originally) i have not agrred anything yet and just said i needed to see what i can do and will contact them this coming week. im getting the impression that they will accept less than this, what will i do, any one else been in this situation, please let me know, i am working and just wandering is it worth missing a morgage payment over if it mean paying it off. i can scrape a 1000 (live on bread and water for a month) with some help from family ofcourse. our morgage payments are 525 a month, any advice please.