I'm in debt to Capital One ($2,600), I tried to make payment arrangement with them, as much as I could since my husband lost his job and his unemployment ran out. I'm the only one paying everything, the biggest expense is the mortgage. After a month of not making any payments. Nelson & Watson called my job several times harrassing me, threatening to garnish my bank accounts if I didn't pay. They gave me on three options; pay it in full; pay $600 down and $175 per month or 4 payments of $650.