I have 3 Capt One cards that I have not pd on in 2 yrs. They total 6400.00. They should have been included in my Chp 7 bankruptcy 4 yrs ago, but we're not. Should I start paying on them or let them charg off and leave them on my report for 5 more years. I don't have the money to pay now, but I have an opportunity to get my own insurance agency which requires a credit review. Is it better to start paying or leave them alone?