<prompt> Human: First off, before you ready any further, Yes, I am stupid... and now I need some advice.For the past few years I have been contacted by a law firm collection agency with paperwork referring to a unsecured CC account Cap One that they are trying to collect on. And like an idiot, Ive blown them off, due to the fact that this debt is more than 10yrs old. The original amount was 2500. As time went on, the law firm sent a few more letters and last year they took it to court and won a judgement, in the amount of 7500. Three months ago, they sent a letter to my bank requesting acct info as to start the garnishment procedure. At that point, I started to take it more seriously and sent the Law Firm a letter asking them to prove the debt was actually mine. They responded with nothing more than another copy of the court ordered judgement, referencing a Cap One acct . And as of last week, my companys ex-law firm was served with garnishment paperwork.This is where I need some assistance from you all. I am looking to do away with this ASAP, so I am thinking of sending a Delete for Pay letter offering the original amount.Is this reasonable action on my behalf or would do you think that they would just scoff at this attempt and move forward with the garnishment, as the amount is higher?I am open to suggestions and again, YES I AM STUPID, no need to point the obvious out. Thanks from AZ  <response>: It seems you have no leverage to get it reduced since they already spent the money to take it to court. You can try but I seriously doubt it. 