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I spent the morning on the phone with Capital One zombies until finally speaking with a supervisor who knew something. She told me that as my file was now in the hands of another agency (a law firm in Edmonton, Alberta), that I should contact them. I did this and my options were to pay in full the amount of the claim( 10,081.49 plus interest) or make payments of 200.00 dollars a month for the next 56 months. I offered a $3000.00 settlement and of course the lawyers assistant said they wouldn't take less then $8500.00. I have a week to call her back. Is it better to go to court and try to reach a settlement there or try some other means of resolution? If I accept their offer then a judgement of guilty still is found against me and my credit is dinged for 5 years while I pay pay them back.