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MBNA/BOA settlement confusion


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MBNA is now Bank of America. I'm wondering if MBNA's settlement policy has now changed to the settlement policy of BOA? I have accounts with both creditors that I'd like to settle before the accounts charge off. MBNA's settlement policy seems to be more favorable to the debtor wishing to settle before charge off. Anyone have any experience settling an account with MBNA since BOA bought them?

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