opopoeiee Posted September 15, 2018 Report Share Posted September 15, 2018 Hi. I had a Capital One CC and was charged-off recently. When I went to checked my account on the website, Hunts & Henriques is listed. The number posted on Capital One’s website is directly calling Hunts & Henriues law firm. I called and informed me that a lawsuit is being filed. I asked for a debt validation and they sent me the entire statements. I called again within 30 days and the person asked what’s my financial situation is. He offered me a year or a 2 year plan. I said I don’t have any money to pay. But I said I’m willing to settle but he kept insisting why do I want to settle if this is a better deal? I also asked for a paid in full after paying he said I have to call the original creditor for that but I said I need to get a confirmation in writing before paying. So I decided to make a 2 year plan. I received the letter today. But on the payment plan statement, why is Capital One listed as plaintiff? Our firm represents Capital One Bank NA in the above referenced matter. The purpose of this letter is to confirm the payment arrangement you negotiated with one of our representatives. The soecific amounts and payment due dates are listed on the attached payment schedule. When all of your scheduled payments have been made and have cleared the bank you will have resolved this matter. Please keep this letter as confirmation of our arrangement. We encourage younto onsult with your own attorney to make sure that you fully understand your legal rights. Please make your payments payable to Capital One Bank and mail them to our firm at the address on this lettehead. ..... This firm is a debt colletor. The purpose of this letter is to collect a debt and any information obtained may be used for such purpose. I didn’t know better. Before googling for information, I decided to just call the law firm which is a debt collector and I think I made the wrong decision. Please what should I do now, should I start paying them or request a new one with pay for deletion on CA. I also read somewhere that doing a monthly payment plan is a bad idea as its a judgment on me. Please help. Thanks. Quote Link to comment Share on other sites More sharing options...
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