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I had 2 cap1 cards charged off last month with hefty balances ($18k on Venture, $9k on QS). I was involved in a dispute with other owners of my company and the well dried up. Was forced to prioritize food, tuition, house, cars over unsecured debt for the past 18 months. FF to today, I have resolved the issues with my partners and sold my interest in the company and (as of last Monday) am able to pay off all my debts and still have plenty left in savings. My question is, what is the best way to handle with Cap1? I'm guessing I should ask for a pay for delete, is that likely to work? They haven't sold it to a CA yet to my knowledge. Any advice?