First question I got is What bank can you get a MBNA Discover Card from? Many thanks for any response. My other question... I'm trying to help my sister get back on her feet. We pulled her credit and she basically stopped paying (with Discover card) everything about 3 months ago, after a car accident. She hasn't spoken with the cc's, she just doesn't return the constant calls she's been getting. The ones I know of are HSBC, Cap One, Aspire, and Credit One.

The calls are from CA's now. Should she talk to them, or ignore the CAs and start making small payments directly to the Discover card company, or what is the best plan?.

There are several but none are more than 60 days late, so I was hoping it was salvageable. She does not have any large sum of money to pay on these, but she could start making small payments if they will take that. She got a settlement offer on one of them, but I had her call and set up payment arrangements instead - that one had not gone to collections yet. I'm afraid to have her call the CAs!.

Thanks...