Clanci:

You may be very right- but since my creditors don't take second hand sob stories as payment for my obligations, I opped for the cash-it just made economic sense at the time and has proven to be a good relationship with the new company. The current questions  seemed to just be a glitch in their system, all is back to "very good " now.
Thanks for your opinion on the matter anyway.
Steve Meinecke