Capital one won\'t settle
I\'m about 140 days late with capital one. I offered to settle and all they tell me is that there are no settlements available in my account. They said that it is done by computer and they won\'t budge. Don\'t know what to do I lost my job and don\'t have the $ to pay the full amount. I have told them about my hardship but they won\'t give me a settlement offer.