Hey everyone; I have a "charge-off" debt originally from Capitol One, now through Portfolio Recovery Associates. The balance owed is approximately $1,050. They've sent me a letter saying "Second Notice: Account Transferred to Litigation Department. At this time, no attorney has personally reviewed the particular circumstances of your account." They then said it can be settled for ~$840, if received by 9/05/2018. Well, unfortunately it went to my old address, where my brother currently lives but since we haven't talked in months after a petty disagreement, I only received the letter today, 9/23
