Hello ,here is our story with credit cards debt. We stoped paying our bills for Capital One about 5 months ago. Ignored all phone calls and letters. Our balance is 15K , few days ago received a letter "pre-Legal Notice" saying that if we are can ot pay the minimum payment of $2, 135.00 they will proceed with the Lawsuit. What is our next
step, should we call at this 800 number provided on the notice and try to negotiate and settle the account or just wait longer?