So as my wife said, we offered them a 20% settlement on my father’s AMEX debt. From DCM’s perspective, it was either get 20% or nothing. There was no outcome in which they would get 100% of the debt owed. From our perspective, it was either pay DCM some money and then go recoup much more than that out of the bank account (more than making up for the settlement payment), or get no money at all. With the deal we made, each party (us and DCM) at least got SOME amount of money greater than zero. It was either strike a bargain, or no one would have gotten ANYTHING and the money in that account would have eventually been forfeited and lost.