Dear xxxxxx, Re:charge-off accounts from xxxxxxx Capital One, FSB has a great opporunity for Gulf State,L.L.C. accountholders related to the above-referenced account. Capital One is offered you a new unsecured credit card. Your new credit limit will be $3000,with $100 available for new purchases and cash advances. Your fromer charge-off account balance of $ ****** will be transferred into your new Capital One Visa(R) account, for which you will receive one simple monthly statement. When you open your new account, any recovery activities against you pertaining to your former account will be stopped. Plus,we'll let the credit bureausknow that your former account has been "paid by settlememt" if the debt is being reported to the bureaus. Simply take a moment to complete the attached Pre-approved Acceptance Certificate and return it to Capital One in the postage-paid envelope provided. Or, youcan respond by calling 1-800-965-6271 between the hours of 8 a.m. and 10 p.m.,Monday- Thursday; between 8 a.m. and 8 p.m. , Friday; and between 8 a.m. and 5 p.m. Friday Saturday (ET). When you call, your account will be serviced by The Westmorelans Agency, Inc, an affilate of Capital One I think another trick of Gulf State try to collect his debt through Capital One. Instead you owe Gulf State, you owe Capital One by transferring the balance.