Can you tell me what would be better

[Muff]

When I first began this journey I was only set out on paying a capital one debt to avoid garnishment of my wages AGAIN. I have contacted the attorney who has my account and he offered to settle the $1400 account for $1000. After posting that on the board I was told $1000 is still too much and I agree. So I have a few questions hopefully someone can help me. First question ..the debt is with the attorney but on my credit as capital one. So after paying do I GW THEM? Since the attorney is not reporting can he NOT delete it? The account is listed as open in 2008

Another route I can take ..tell me if this sounds better should I instead use the $1000 I have for this debt to pay a total of 4 other debts that are all from 2012? The $1000 is more than enough to cover them, or should I try to settle for a much much lesser with my capital one debt FIRST.. Then cover the other debts

[hoff33]

Wait to see if you get a letter from a new collection agency. If you do you will have 30 days to set up a payment plan or settlement for them to not report it on your credit report. Good luck!

[Muff]

Well I did receive a letter from an agency recently so you're saying I should start with that one?