So I called these Clowns to settle a debt from capitol One Bank in 2003, in which I closed the account. My limit was only $100 since it was my first credit card, since then total interest has gone up to $1, 300. I called and the lady on the other line was completely rude. When I offered $200 to settle since its all I could do being that I am unemployed and she laughed at me!! She said that she would never consider that and it was my fault for being in this situation. She put her supervisor on the phone and he was just as rude, he told me that he suggest I borrow money from someone and I am not gonna put myself in debt to pay a debt. He told me that I should look for a job and stop do something for myself. Jerk!!!