I have to deal with this debt now in order to be able to buy a home. There has been no collection efforts up until this point, garnishments, bank levy;s, etc. so I am hesitant to contact the attorney or Capital One to discuss if anything can be settled for less. I cant locate a number for Capital One to discuss the judgment, only customer service numbers. I have never had to deal with anything like this so I am quite nervous and unsure how to proceed, any advice is greatly appreciated.