I have been trying to settle my 2nd, originally with BofA... now sold off to Old Republic and they are in the process of sending me to "legal". I have gone round and round with my "account representative" over the past year and a half and am now on my fourth offer of $3800 on the original loan amount of $21,000... which is in my opinion, a great offer and that's all I have. They are sticking to their guns on the absolute lowest they'll take is $5,000. Has anyone ever dealt with "Old Republic" and had a successful debt settlement as paid in full? I really could use that money else-wear and am growing weary of trying to pay them. Thanks.