We re-financed our home. We used Pacific Title to contact all creditors. We had a phone three-way conversation with the Represenative of GEMB concerning our JCP account. An agreement was reached through Pacific Title Company, a check was cut. It had to be endorsed by my wife and I and GEMB. Immediately after cashing the check they sold the account to another collection agency and it is still listed as an unpaid debt. We paid off about a dozen of these collection companies and found that about half of them resold the debt to another collection agency after cashing the checks. You can make a lot of monet when you can keep selling the same item over and over.