Hello all, I had a Capital one card with a $750 limit. It went into collections, and is now reporting a balance of over $1100. I contacted Cap One today and they said that I had to call this 800 number because they no longer had the account. I googled the 800 number, and it turns out, the company is called Suttel & Hammer. From what I've read online, this company is not fun to work with. This brings me to my first question. Do you think I should contact this company and work out some sort of settlement? Or maybe just use the address I found online for the company and send a DV? Currently, I'm not in a position to make a payment. So, I don't want to call them and have them try and pressure me into making a payment just for me to tell them I can't do it right now. They are not reporting on my CR, so I assume the debt hasn't been sold, and S&H is just trying to collect on CAP One's behalf. Secondly, Capital One told me I had another account with them and to contact another phone number, which I googled as Portfolio Recovery. However, neither this Capital One account or the Portfolio Recovery company appear on my CR, so I should possibly just leave this one be?
