I became ill a few years ago and now live on 700. a month, my husband gets 167.00 ssi, I don't have much time and i am in constant pain,Yet CAPITAL ONE calls my home at least 6 times a day, I would pay if i could, but i can't even pay for my medicine, I am a senior and feel badly about this, I did have good credit, but do i have any choices???They have made my life a living Hell