When the credit card companies kept calling over and over and over...every person who answered my call at F.D.R. assured me that everything is OK. Its going to take for my accounts to settle. I have to admit I was skeptical. But after 7 months, the calls stopped. I freaked out more...then a few days later...I got an email from F.D.R. stating that the agreement was made with the credit card company. F.D.R. made good on their promise.