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Threatened or suggested your credit would be damaged. I have been making payments on my capita l one accounts. I may not be able to make the minimum payment but I have been trying really hard to at least pay something. My husband has been XXXX XXXX XXXX for over 4 years and now he has a XXXX XXXX he fighting too. With all the doctor bills and I just recently lost my job and had to find a new job. I just ca n't seem to catch a break. They are now harassing my mother-in-law about my credit card accounts.