Yesterday I took care of an old Cingular creditor we had from almost 2 years ago, settled for 35%. It was a pretty easy process, told them that I had received an offer letter a couple months ago and was wanting to know if the offer was still available. It was, I offered to pay in full, they tried to charge me a processing fee for my debit card, had that waived and I was pretty much done.
Our NetWorthIQ listing is pretty accurate for where we'll land at the end of the month, the only uncertain is exactly where the cash will be landing. If our roommate keeps paying us back like they are the next 2 weeks, we'll hit the $1K. If the other cell-phone folks pay us back, we'll be even higher.