I had the misfortune of having an account end up with Capstone Credit Services. Unfortunate, because it ended up on my credit report. But when I called them, they were courteous and helpful and offered me several options to get the account resolved. They called the apartment which placed my account with them and ended up getting the majority of the account reduced because my apartment had actually been rerented. They offered me a settlement, which I was able to use my tax refund for, and my credit shows the account as paid in full, instead of settled, like most other agencies would report. I would rather never have an account in collections again, but if I do, the people at Capstone would be the ones I would want the account to be with.
Pros: Customer service, good attitude, saved money
more