Hi there
It's like some of those Debt Collection agencies chasing debts passed to them by Banks etc. They buy packets of these for PENNIES in the POUND (Cents in the dollar) etc and then try and get the FULL AMOUNT from the debtor -- for example say there is a credit default of 3,000 USD on a credit card and the person who owes the money has had some type of problem such as losing a job etc and can't pay the debt eventually the Banks will pass this over to some "Collection agency" for peanuts - around 30 USD on the 3,000 USD debt --- might be even less.
Now if you are the debtor you *might* be able to arrange a cheap settlement but it's usually highly unlikely.
While Ms isn't in the same evil and immoral business of buying parcels of debts at pennies in the pound and then trying to extract the full value from the unfortunate debtor by operating as a Debt collection agency you probably have LESS chance of negotiating an OEM deal with Ms than you do with speaking to one of those really evil debt collection agencies.
BTW if any of you are ever hounded by these really evil businesses they have to go a long long way before the matter ends up in a Court so always ensure YOU are in control -- not them - and if all you can afford is 1 USD a month don't pay them any more. !!! No Court will make you pay money you don't have and they can't flog your property for "unsecured" debts like credit cards etc.
Cheers
jimbo