Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
Re: Advice in this tough time.

Welcome to the forums! Sorry it's for this.


What are the reported balances on your CapOne CCs? I'd pay one to $0 and get the other to a balance under 9% of the CL. If your balances are high now, then you stand to see an increase.


Send a PFD letter to the CA. Search these forums for examples. Basically it says you agree to pay $x if they'd agree ot delete it. That can be worth quite a few points.


I'd go to your local small bank or CUand ask them about options. Maybe they can come up with something.


Also talk to the tax agency. Maybe they can stall this based on economic conditions. A family member faced the same thing and we got the city to delay it by a year which was more than enough time to fix it.