Hi! I have been reading your posts and you seem to
Hi! I have been reading your posts and you seem to know a lot. I have a Cap1 card with a balance of 13k that I have not paid in 3 months. I just can't lost my job, husband lost his job we have nothing. Got a letter today from NCO Financial asking for the full amount. I would like to settle for less. How do I go about it? Can I mail them a letter asking for a settlement? Do I call them? Do I call Cap1?
Any info you can give me is greatly appreciated.
Thanks and God bless