Hello all-
Need some quick advice. I had a credit card that went 120+ days past due b/c I had a financial setback, and now on my credit report it shows as "closed by creditor". I paid last month some of what was due. They already had a collection agency (that doesn't yet show on my report) offer a settlement of 50% off the full balance. Now the thing is that in my online account with the original creditor, I still receive a bill (next one is due in middle of December), and I can make payments online still.