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Attempted to collect wrong amount. I have a charged-off credit card account with Capital One, totaling {$2200.00}. The collection agency working on their behalf offered to settle the debt for {$1400.00}, to be paid in 7 monthly payments : {$210.00} for XXXX and {$210.00} each month from XXXX through XXXX. I agreed to this payment plan over the phone and asked for the settlement agreement in writing before making any payments. However, they told me that I will only receive the written agreement after making the first payment. I explained that I need written confirmation of the terms before sending money, but they refused. Ive followed up, and they continue to insist I must pay first. Im worried that if I pay without documentation, the full balance might still be pursued or the t