I HAD BEEN LAID OFF FROM MY JOB FOR 8 MONTHS I SPOKE WITH THE CREDIT CARD COMPANY THEY SAID THEY WOULD HELP ME I RECEIVED SETTLEMENT OFFER TO PAY I AGREED WITH THE AMOUNT. I HAD 45 DAYS TO PAY IT OR IT WOULD EXPIRE . I CALLED TO MAKE PAYMENT OVER THE PHONE AND THEY SAID I WAS WITH A COLLECTION COMPANY I CALLED PENNCRO I CALLED THEM UP THEY SAID I WAS NO LONGER ENTITLED TO THE SETTLEMENT OFFER. IT IS SO UNFAIR . I CONTACTED THE CREDIT CARD COMPANY WAY BEFORE THERE OFFER WOULD OF EXPIRED IN 45 DAYS . HOW COULD THEY TREAT ME THIS WAY. read full review »