I had 2 credit cards with "Capital One" and both went into default, wanting to pay my debts, I made arrangements with the collection agency to withdraw every month from my checking account. It was understood I wanted to pay off the smaller one. Apparently" First Advantage Source" and Patenaude & Felix share information and help them to scam, me anyhow. When my payments were complete I called" Patenaude & Felix" to get my paper work, I knew sending the information to the credit bureaus myself would get things done... read full review »