I stopped paying on my two Chase credit card accounts on Jan 21 (now approaching 90 days late). During this time, I have not answered phones calls. In an effort to possibly settle the debt (approx $13,000) before it gets charged off and sold to a collection agency, I called the number that I have been ignoring. The woman said she was with ALLIED INTERSTATE, and that she was working "on behalf of Chase." I am confused. Is this company the in-house collection dept for Chase? Is the debt still with Chase? Or has it already been sold to a separate collection agency. I have read everything I can find regarding settling debt with Chase, but had not come acrfoss this Allied Interstate. HELP!