WSe got a letter from an attorney representing NCO financial (With the proper address, no less!), and when my wife called, they asked if the sheriff had been by the house to serve us yet. The balance was $7500, but the guy claimed we owed ~$300 in interest, that if his office handled our case the cost would be 8200, and if they went to court, over $8600, but that if we sent a payoff in right away, for ~$5500, that they would write it off, or we could make minimum payments @ x% interest. My wife said we would get back to them. Next she called capital One, and they stated NCO was representing them, that they couldn't help her, but that if she couldn't work something out with NCO, to call back, and they would help her. they indicated they would be willing to accept paynents of 3/4 of the amount. Subsequently, my wife got a call from the NCO Attorney office wanting to know her decision. He was irate that Capital 1 had spoken to her, and said he could honor their offer. My wife said she would get back to him. this weekend, we got a letter from NCO Attorney stating no resolution had been reached, but that if we didn't reach one soon, they would have to "take appropriate action, which may include a recommendation for legal action" So much for the Sheriff who was already on his way..... Now, finally, and thanks for hanging in this long, I come to my questions. 1: I can get the $5500, but whom should I offer it to: NCO or Capital 1? I see the posts here and elsewhere that indicates NCO is less than honorable, and have heard that they can take the payment, and never let the creditor know you paid. 2: Should I start by offering less than the $5500. My historical payments equate to 125% of the original charges..... 3 Where do I go from here?? Please help, I need to get this taken care of ASAP, and need informed responses, not guesses or suppositions. I don't want to blow this.