I find this website really helpful and I have been reading prior posts about how horrible capital one
If you're not confident, you can take professional help. A reliable settlement company can help you as they know how to communicate so that things turn out in your favor.
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Capital One is not easy to deal with. They rejected my settlement offer too. It was when they assigned the account to a collection agency, I was able to settle my debt. Cracked a 60% settlement deal.
Ask them if you can qualify for any hardship program.