I have a capital 1 card and about 160 days late. I lost my job and been trying to find work. In the meantime I was able to come up with about 40% of what I owe so I called them asking for a settlement and they said that there are none available that it is all done with a computer. Anyone settle with them? I have read that they are quick to sue. Do I just let it charge off? Please help! Thanks and God bless!