In 2001 I was dismissed from my job in Park Rapids, Mn. I had a balance on my Capital One credit card. I was late on my payment. I contacted Capital One to make arrangments. I sent in my payment as they stipulated. My next bill showed a late fee that put me over limit, they then said I owed an over-limit fee. As I tried to get this striaghtened out, they closed my account and demained full payment. Since I was unemployeed at the time I could not make the payment. As they called several times a day harrssing me and my family, I told them I would only pay for what I origionally owed, $300. I have paid off all my credit card bill, two years later. I approached them in to pay off my debt. Capital One said I owed this huge amount. They would only except this huge amount. Since then I have been harrassed by about 4 other companies. Now Alliance One has taken up the Ball and said I can settle for a lump sum of 782.81, thats a 58% savings on my outstanding account balance. Or two payments of 493.92, which is 876.00, or 3 payments of 394.51 which is 1183.53. I want this harrasment to stop, and am willing to pay them $400. If I could I would sue them for their years of recking my credit and abuse on the phone by their representatives. Thank-you
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