Jefferson Settlement
Couple months back after the Cap One/Discover merger, a lot of my accounts that I had payments on auto started declining due to Cap One sending new cards with Discover instead of Mastercard and apparently I missed one which was for a trip I booked, was checking the history of payments and paid around $500~ out of 1.1k, it was sold to Jefferson, I’ve been scrolling on Reddit for a bit and see they often settle for under, and then remove themselves from credit reports. Asking for some advice, what do you think is a realistic settlement, and would it be towards the full $1.1k or the half I didn’t get the chance to pay? And before anyone says anything, yes I should have been more attentive to my credit reports and emails asking for payment before I let it go to collections 😞 You live, you learn 🥲