i have recently been getting letters n calls from gerald e moore about a capital one credit ac that i defaulted back in 2009.my balance is 1200.after ignoring their letters for a while one day someone just showed up at my doorstep and handed me a pile of papers that stated i was gonna be taken to court,i panicked n called them and the lady i spoke to miss mills talkd me into a 6 month payment plan of 194.00.i gave them my ac info(stupid of me)that was last month,bt until now,nothng has bn taken from the ac,n i have not received any written letter of our agreement.they keep saying they r sending it but havent,its bn two months,what should i do.am thinking of calling the bank and freezing their payment..please help am soo new to creditors:(
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