We refinanced our house and got enough equity to pay off the 7 credit cards on our credit report (settlements). Every collection agency was so kind and nice enough to work with me on the settlement offers...except SRA Associates, Inc. I had a letter from SRA offering to settle my debt for 60% - which would be in the amount of $2637.02. By the time the refinance was complete, the letter was expired by less than two weeks. The underwriter still cut the check to SRA for $2637.02 - I sent the check to them and they called me to tell me that they... read full review »