Is there any reason that I shouldn't be able to work out some kind of arrangement with the creditor rather than the CA? Especially since the CA has never once contacted me. The grunts I get at the charge off division won't let me talk and just keep telling me it was sold. I sent a certified letter today to the manager of that division with a settlement offer. I guess I'll keep going up the chain of command from there. Anyone else ever had this problem?