u/CrysisQueenV2

Hello everyone. I was in an awful relationship a year ago and it lasted for five years. This person had all my information signed me up for a joint credit card which I had no idea about. Come to find out they moved and used the card to move and did not pay a dime. I got a letter in the mail for collection and instead of dealing with the abusive ex I am just going to pay it off. I spoke with capital management and they said I can pay in full $2300 (original amount 3100) I told them I would have to call back to see if I can do that because I have all my bank stuff locked and have security limits. I would like to negotiate the debt due to the circumstances but I want to know is me saying what I said them confirming that I will pay that amount or can I still negotiate? Thank you everyone please be kids life has been tough.