Need Help. debt collections, capital one northland group

[tonys2]

Hi., Im really stressed. I have a Account that is from Capital one. It was charged off
$2000 credit line. Past due amount $2375
It says interest is still being charged.

Northland group inc is debit collection agency. The weird thing is they sent me a letter looking like capital one Statement. Also says goto capitalone.com/solutions?

I figured if it was charged off it would be sold to a debit collection agency?

anyways, im trying to own up to it and get it over with. Im not getting any younger. plus interest is still being charged

im ready to pay. Should i settle or pay in full? i want credit to recoop ~5-6 years from now.
im stressing about letters i get. i want to deal with this now..

i really want to pay capital one directly, but they won't talk to me.

any ideas on what i should do?


thank you


Here is info

CAPITAL ONE Address:* Account Number: PO BOX 30281 ccccc

SALT LAKE CITY, UT*84130 (800) 955-7070 Address
Identification Number: 01ssss27 Status:* Account charged off.
$2,461 written off. Status Details:*
This account is scheduled to $2,095 past due as of Mar 2011.
continue on record until Dec 2015.
Date Opened:
Type: Credit Limit/Original Amount: 11/2005
Revolving $2,000 Reported Since:
Terms: High Balance:



Experian - Printable Full Report
11/2005 Date of Status: 09/2009 Last Reported: 03/2011 Your Statement:* Account closed at consumer's request. Account History: Charge Off as of Mar 2011, Feb 2011, Jan 2011, Dec 2010, Nov 2010, Oct 2010, Sep 2010, Aug 2010, Jul 2010, Jun 2010, May 2010, Apr 2010, Mar 2010, Feb 2010, Jan 2010, Dec 2009, Nov 2009, Oct 2009, Sep 2009 150 days past due as of Jul 2009 120 days past due as of Jun 2009 90 days past due as of May 2009 60 days past due as of Apr 2009, Dec 2006 30 days past due as of Mar 2009, Jan 2008, Oct 2007, Jul 2007, Nov 2006 Balance History - The following data will appear in the following format: account balance / date payment received / scheduled payment amount / actual amount paid Feb 2011: $2,067 / December 30, 2010 / no data / no data Jan 2011: $2,057 / December 30, 2010 / no data / no data Dec 2010: $2,061 / November 12, 2010 / no data / no data Nov 2010: $2,078 / September 29, 2010 / no data / no data Oct 2010: $2,067 / September 29, 2010 / no data / no data Sep 2010: $2,116 / July 29, 2010 / no data / no data Aug 2010: $2,103 / July 29, 2010 / no data / no data Jul 2010: $2,121 / June 29, 2010 / no data / no data Jun 2010: $2,136 / no data / no data / no data May 2010: $2,152 / no data / no data / no data Apr 2010: $2,167 / no data / no data / no data Mar 2010: $2,159 / no data / no data / no data Feb 2010: $2,172 / no data / no data / no data Jan 2010: $2,220 / no data / no data / no data Dec 2009: $2,203 / no data / no data / no data Nov 2009: $2,200 / no data / no data / no data Oct 2009: $2,200 / no data / no data / no data Sep 2009: $2,461 / no data / no data / no data Jul 2009: $2,372 / no data / no data / no data Jun 2009: $2,288 / no data / no data / no data May 2009: $2,206 / no data / no data / no data Apr 2009: $2,126 / no data / no data / no data Mar 2009: $2,046 / no data / no data / no data Between Mar 2009 and Feb 2011, your credit limit/high balance was $2,000

[killakali]

If you can pay it in full pay then yes I suggest the PFD method.

Deal with whoever is reporting to the Credit Bureaus.
Before you start start with this link first!!!