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cap1&NCO


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Posted by james (68.117.15.6) on February 27, 2004 at 15:39:15:

I had a cc with cap1.I cancelled it when I went on disability,feb02.Insurance made payments until march03.I have not made any payments on this since then.Balance has gone from $400.00 to over $900.00.I got phone calls from RMA from april03 till jan.04(which I ignored)Now I got a letter and am getting phone calls from NCO.What is my next step? Do I send a validate letter and C&D?I sent crrr letters to the OC and insurance company back in september(had a dispute on a lump sum payment that was made by ins. 10 months late,which resulted in overcharges) Never got a reply from either one. I have no assets and only income is ssdi.


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