I owe roughly $3,500 to a Collection Law Firm who purchased the debt from Capital One. They are willing to settle for $2,100; however, I cannot afford the payments they are asking me of per month. This is the only debt I have, other than this my credit history is pretty much spotless, and I have done everything I can in order to resolve this debt.
I was told that in Ohio, you are able to write off one debt one time and be done with it. I don't know what to do.