I have a closed, charged off credit card from 2006
I have a closed, charged off credit card from 2006 that I want to settle with the credit card company. The problem is that is was my first credit card from college and had only a $300 limit. Now, the balance is over $6,000 because of fees and interest. The last time they reported was 2008. I want to remedy this situation but I dont feel like I should pay $6k when I never really owed more than $300. Should I send a letter directly to the cc company or the collection company? What should I say?