I would mail a PFD in full to CapOne. I would also call them to negotiate a PFD of sorts via the phone; give you the chance to figure if CapOne will work with you or not. I would also DV the CA, if you haven't done so. CapOne isn't likely to accept a PFD, but I would send multiple letters monthly to several addresses. I'd even send to the higher-ups at CapOne. If they don't accept by mid-June, then I would mail payment in full based on the amount on the summons, if available.