In my case I went 7K negative and asked them to wipe it out, but when they said no I was okay with it because I figured I could get out of the hole in a few months and replace the banners with another brand.
After telling them that they offered to give me a flat fee of 12K for the old account and being that I was in the process of moving and figured that I recover some of that expense by agreeing to the CPays deal I agreed.
Biggest mistake I ever made as an affiliate was to trust them because I spent 13K cash on a vehical once I moved to the Domincan Republic expecting to replace it once I got paid.