My account was matured in sep 2010 and right now I owe 1780.00 but I was told that if I wanted they can discount for 30% and on my credit state settled.in full or I can pay off the full amount which includes the.900.00 in interest alone because the 1780.00 is one pymt of 435.00 and tbe rest is 900.00 in interest and another 500.00 in late fees so what should I do pay all the interest or pay with discount wbich my account regardless.will state charge off and they can't remove that or so they say..?