Short version: Wanting to move in the next year and will obviously be looking for a Mortgage. I have a charge off of about $8000 from Prosper(a person to person loan provider) from about 3 years ago and I need to know if anyone is familiar with their procedures as they pertain to negotiating settlements, payment plans, etc. Best I can tell I will not qualify for a mortgage until this is paid, but the problem is I don't know how to approach them given they are not the creditor. They have never contacted me about collections and based on my readings they just moved on back then as they didnt want to be in the collections business for someone elses money . If I did pay them something then where would the money even go as many of those that I owe are probably no longer around. Has anyone had any experience or have any knowledge of Prosper and how I should deal with this. Not looking for a magic potion to make everything go away, I made my bed and am willing to sleep in it. I would however like to know what is in my families best interest as far as moving past a rough patch in our finacial lives and getting this issue resolved. Thanks in advance