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Be very careful if Capital One offers you a settlement amount. I reached an agreement that I would pay a certain amount. They agreed that if I could pay a little more they would not 1099 me. I paid. Then I got a 1099-C anyway. I contacted them, but it is still not settled. If they don't uphold their agreement, I'll have to pay income tax on the discharged amount. I am disabled waiting for an SSD hearing. I've had no income for 2&1/2 years.

The pressure they put on me was, in my opinion, close to harassment. I told them I am disabled and that my house burned in Jan. 2013. They kept calling and calling even though I told them I was ill and it was my legal right to request they reduce the frequency of calls. They also repeatedly phoned my former employer despite my telling them I no longer worked there.


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