My wife has had an account with them and I tried to settle with them on several occassions. They just called to say that if I don't settle today the will issue the judgement tomorrow. She owes 936.49 with all them fees. Was a 300.00 credit card. and they said the judgement will be 2400.00+ but I can pay it now for 608.76. No I have asked for a deletion but he said no. I asked to go to no lates he said no what else can I negotiate with him?