So far every debtor in my crusade has been easy to reach through the internet, and I've been able to compensate for being in a different time zone with limited phone access. However, I don't know if any of you have been to the capital one website- but wow. To send them a question you need to register, to register you need a current account-
I have no idea who the credit agency is, ironic that it becomes so hard to pay debt once you have money
