PLEASE HELP MY WIFE WAS RECENTLY CONTACTED BY NCO "ON BEHALF" OF CAPITAL ONE FOR ACCOUNT PRE-DATING OUR MARRIAGE THAT WE DID NOT REALIZE EXISTED ORIG AMT APPROX $450/ NOW $1100 W/ INT. AND FEES GOT COPIES OF CREDIT REPORRS AND ACCT IS STILL LISTED AS CAP 1 CHARGE OFF(EXPERIAN) BAD DEBT PLCAED FOR COLLECTION(EQUIFAX) UPON REFLECTION MY WIFE FELT THE DEBT WAS REAL AND WE WANT TO CLEAR UP...UNFORTUNATELY SHE AGREED TO $605.00 "SETTLEMENT" AND GAVE OUT OUR BANK ACCT INFO AND CHECK# TO BE POSTED AT END OF MONTH(OUCH!!)