I received a letter from the northland group, to settle a citi card amazon account....amount owe, 1000. settle for $500....this account was $649 last yr in nov, 09, when i lost my job for a year....`now i am working but the late feels and etc now has it at $1000.....i feel like telling them i have been without a job since nov. 09, and want to settle at 50% of the $649....any suggestions