Capital One Payoff Negotiation?

I hit dual Capital One assign cards with the sum debt of 28.48. we requirement to squeeze the automobile shortly as well as hit to get my debt paid down really fast to so. How do we communicate for the boon when we speak to the Capital One repute â€" can we communicate any one who is the Customer Rep, or should we speak to someone specifically? Also, is it loyal which 1099’s usually request if the intensity we save is over 0?
(Before we comment, profitable off my stream debt is some-more grave to my automobile loan lender than my assign score)
Thanks, L
I am behind, profitable the tiny intensity biweekly.

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