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First of all do you owe CapOne any money?
I would immediately challenge this assertion. The burden of proof for establishing that any debt is owed is on CapOne and you have 30 days to demand such proof, before the debt becomes defacto owed. CapOne is notorious for some very underhanded collection tactics and they have an entire division dedicated to collecting on under performing debt, they buy for pennies on the dollar.
RUN AWAY FROM THIS. It will damage you're credit and label you as an easy mark.
Never do business with CapOne if you have the option.
Fight this tooth and nail.
-bear
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It's alot easier to ask for forgiveness then it is to ask for permission.
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