<prompt> Human: Hi, and thanks for your help in advance rDebtAdvice. Ive heard of people doing this before, and Im sure its pretty common; but Im entirely sure it is so Im bringing it to you guys first. Recently, I came into some money, so I may be able to pay a large amount of my credit card debt. However, if the credit card companies do negotiate I may be able to pay it all off. Here are the credit cards and the debt I have:Capital One Visa Platinum card - 1, 260. Best Buy Card Capital One as well, formerly issued by HBSC - 825Now a couple things. I dont have APR on my right now, but both are way too high, so I am not wanting to keep either card. Id prefer not to have any credit card, as these both were mistakes from my past. I also in the past had a late payment on each; that the length of time had the debt means Ive more than paid fair share on these already. With all that considered do you guys think they would negotiate with me and should I bring up the fact both are from Capital One now? Also, how low would you guys try to negotiate down too realistically? My last question is if they agree, what process do I go through next? That could apply to if they didnt agree to as well, and I had to pay in full. But if they did, what do I need to do to make sure when I do pay the agreed upon amount I am in the clear for the future Ive read things on here about something like zombie charges popping up later?...Or something like that, lol.?Any help is greatly appreciated!  <response>: I may be mistaken, but I believe the only time you can negotiate payments is when you are already in collections, since your debt has been purchased for a lower amount than the actual sum due to risk of never being paid back.Basically, you can try to reduce your APR for your cards and thats about it until they report your shit as delinquent and sell it off to a different company. 