I have a past due account with Capital One however Rubin & Rothman, llc now owns the account, when I first received the letter from them I did respond back to setup payment arrangements, I made 3 attempts to make arrangements with them however they told me that the only option I had was to pay them 3800 in one payment in full to settle the account, I explain to them I did not have that kind of money,
Each time I called them a different person would take my call, they were very rude and told me I need to go get the money from family or friends or whom ever I could get the money from.
The last collector I spoke with was yelling at me asking me If I had their money, I told him that I could not come up with that money in a short period of time and ask if they would either go lower on the settlement or take payments until I could come up with more money for a settlement.
The collector went on to say to me you can make all the payments you want it doesn't matter we will get a judgement against you and take our money anyway.
I ask if I could speak to a supervisor and he refused, he me told I just need to make the payment today, I ask for his name and his extention and he refused, he kept on saying I need to pay this, he had me so upset and scared.
I ended the call and I did call back to speak with a supervisor and the person who answered ask me why I needed to speak to a supervisor, I explain what happen with the collector and that person said he was doing his job and he then hungup the phone on me.
Since then I did recieve a letter saying they now have a judgement against me, what I don't understand is I did try to make arrangements with them and they just refused before they took that judgement out.
I still get calls and letters demanding the money, they had some guy come to my home, I am in fear of these people, I need help, I don't know what eles to do.
Please if someone can give me advise on how to handle this let me know
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