Capital One Credit Card Complaint

Capital One Credit card department,

Payoff process California

My family was hit with numerous - bills at the same time our monthly mortgage payments went up so our ability to pay all our bills on time was seriously affected. We have approximately $10000.00 in credit card debt with Capitol One and have tried repeatedly to make our monthly payments of approx $260.00 on time and have missed some therefore incurring late fees, we have contacted Capitol One repeatedly to see if we could lower our monthly to $150.00 they said all they could offer was to not attach late fees if we continued to make those $260.00 payments on time, which as I said we can not do, I therefore contacted Capitol One and requested my account be closed, we still are trying to make our payments on time but continue to incur those late fees, our last bill was for $560.00 which we ca n't pay, as I have said we have never refused to pay our bills, but when we get at least - calls per day at various hours that is just harassment. We are at a loss as to what to do we are potentially looking at bankruptcy or foreclousure if we can not get any help.