Peroutka & Peroutka / Debt Collection
They are very dishonest. When they first started calling me, they told me they represented Capital One in a collection matter. I had 2 accounts and they held both. They first wanted me to pay, up front, half the outstanding balance to settle. When I tried to explain that I would not be in this spot if I could afford that, they practically called me a liar. When trying to set up a payment plan, they told me Capital One would not accept the amount I could afford to pay. Finally, they accepted the amount I could pay, and I made a good faith payment over the phone. They were to send me a receipt and instructions for future payments. I never heard from them again for over 6 months. No mail, no phone calls. Then I get served a lawsuit. I call to complain and they tell me I was ignoring their calls and letters, so they sued me. Told me the amount I wanted to pay 6 months earlier was no longer enough. They asked for half again to settle. Could not do it. Finally I had to agree to a Consent Judgment and now make monthly payments, in the exact amount, which was not enough and not acceptable before the lawsuit and judgment.