Ok so I had a Capital One repo that left me with a balance of like $9505 in 2013. It's been on my credit since then, cramping my style. I was gonna bite the bullet til 2020 and let it fall off. They just sent me a settlement offer for $1149, to close the account and report as "settled for less." My gut is telling me that they will sell it next year and it will pop up with another collection agency. What do you guys think? Pay the settlement or ignore it?