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Hello, I am just beyond the 180 day late payment point, and my account has gone from an initial collection agency (1 month) to another collection agency (2nd month) called NCO. If I want to offer a settlement, should I work through Capital One or the collection agency? I cannot afford a settlement myself, but have a family member that might be able to help. Also, what % should be offered depending who I address it to, and the time past due?