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dv's before settlement

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I have 18k over 7 cc's. not payed since sept,09. 2 cards were sold to jdb's. {will fight them}. The other o.c's i'm thinking of trying to settle. at what % do I start? Since all were charged off do I sit back and see if more are sold, Haven't heard from the o.c acct,s in a year. thanks

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