About 6 months ago, they called me about Sears.. and actually scared me into paying. Now after reading up on them I have to wonder... Im all done paying the Sears Which was over 15 years old. I got a letter in the mail couple months ago, about Capital One, that is also over 15 years ago. I will not be scared into it again. Something that is so old, and at the time the capital one card was only a limit of 200 dollars now its way over 800. I am not paying it. I'm changing all my bank acct info... Companies like this SHOULD NOT be allowed to function. I feel stupid that I fell for it, but they will NOT get me again. read full review »