Hi, I have a charged off bank account which currently owes 720.00, long story short i had problems with paypal and recurring overdraft charges. it was about 1,200 dollars do you think i can call them and setup a settlement arrangement? And also I had a bill with cingular, it was originally about 350 dollars but now it is 800+, its in collections with another company, can i try to settle with them or go through cingular? any suggestions would help :) thanks!