It's New York State.
Creditors are Kohls/Capital One - owe $1,048. Opened 2011, last active 2016.
and JPMCB (Chase) - owe $780. Opened 2011, last active 2016.
I'm definitely willing to speak with them for some sort of settlement, or communicating by mail if it's better. Everything I've read says that the first step is to always send a validation letter but I thought maybe it was different for OCs. My main goals are to 1) have the debt marked as paid/settled or whatever would be satisfactory and 2) have it removed from my credit report (which I know may be unlikely)