Capital One finally caught up with my yesterday.
I told her I was aware I missed the payment and was not sure when I'd be able to make a payment. I told her I was unemployed. She asked if it was due to health reasons and I laughed. No, it's due to economic reasons. She said she was sorry to hear that and that I should call them as soon as I had a better idea of my budget and they'd work on a payment plan with me.