I have had First National Collection Bureau, Inc. trying to collect for a debt on a credit card. I had a 500.00 limit and i understand with interest, that i might owe more, but i never charged over that amount. In my credit report it stated that i had a 1700.00 credit limit which is not true. They say i owe them 2132.00. but are willing to accept 1292.00 but debt has been charged off and i don't understand if i am resposible for the total amount they r asking for or if i should request a bill for all the charges? Or just pay them and let that be that?