I have two credit card accounts on my CR that are collection/chargeoff. I have not heard from either in 2 years. I have recently gotten into a position to begin to pay off my debts and started paying off other overdue utilities and medical bills. I chose not to address these 2 card debts yet, because they were marked charged off (and I hadn't heard from them). One step at a time. However, the renewed activity on the utility/medical bills has sent them into action and I have started getting calls(not answered) and letters from ARS offering "authorized settlements for reduced amounts". I would like to pay these in full. Should I contact the original creditors (Capital One and Cross Country Bank) and offer a pay in full for delete? Will they even talk to me if the account has been charged off and sold? I need advice as to the best course of action. I am in GA and the total of the 2 cards debt is 2100. Thanks in advance for any advice.