Do I lose my money on a credit card repayment agreement?

  • Thread starter Thread starter fratdaddy1987
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fratdaddy1987

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I owed Capital One credit card services $600.00. They hire a collection agency to make the collection. We agreed on 400.00 in two payments that i was to make. I paid the first 200.00 but missed the next 200.00. Now they said I have to pay the full 600.00 and they will not give me credit for the 200.00 I paid previously. Do I really lose that money because I "broke the agreement"? Or is there any protection that I can use? Please help!
 
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