Its not harassment. If you dont set up an arrangement collection efforts must continue... most accounts in the office are 180+ days overdue anyway so the client (cap one, target) want their mmoney that you borrwed and decided not to pay back. Most of the time the person you are talking to will work with you but you have to put something on file or they will continue calling...its there job. You wouldnt do yours half assed if it annoyed someone bc you need your job. So scrap up fifty bucks a month and pay the bill. Nobosy made you open up the credit card
Its not a scam... I dont know where you people get this. I can assure you they are real accounts. You guys just want a reason to get out of the debt that you racked up. Not one thing about that company is a scam. They get the accounts from the credit companies so if its a scam contact capital one target or any of the other companies that they collect for.
