I am going to use the sample letter from this site to negotiate my debt with a ca and have the negative listing completely removed from my reports. On my credit report it shows the oc with a "charged off as bad debt" and also shows the ca with a listing of "collection account". Should I be dealing with the ca or oc? If I get the ca to agree to a settlement and delete the negative listing then what about the oc's original negative report? I want to wipe them both clean, any advice? Thank you.