I received a letter in the mail RE: Credit Settlement SECOND NOTICE. They said they had settled accounts w/JP Morgan Chase, B of A, Discover, Capital One, HSBC, GE Money Target and Wells Fargo. (I think they covered all of the big ones!) The said I may be entitled to a settlement. **Failure to Call** and make my monthly payments would result in interest accruing at an unreasonable be rate, in addition to penalties. Call within 10 day, to aviod delays…… at the bottom in small print it mentions program fees extra and vary. You are not alone….I know who I own money to and when my bills are due. I hope no one else falls for this scam.