Erik, It looks like I'm messaging you here on maybe more than one thread? Not sure. I just responded on another thread. Yes, GMAC showed charged off on my Credit Report. It showed up on the CB right around the time GMAC transferred it to Solace (approx. 6/2011). Now it's not there, it hasn't been there for a while I don't think. In my other response to you I commented on how this situation is causing folks to be unsure on how to handle it, I guess it's not suppose to happen this way. I told that dumb ass (sorry, but I'm really frustrated) attorney this too and he just acts like I'm trying find "anything' I can to get out of a legitimate debt....the additional 40K is real legit!!!