I have a Capital One car and I'm not working at the moment. I'm a little over the limit on my card and I have to make a payments, but I don't have the means to do so. Is there any way I can cancel the card and talk to someone at Capital One to arrange a lesser amount of monthly payments?? Help please.

They won't close your account until it's at a zero balance. I doubt that they will adjust your payments as per your terms and agreement.
Good Luck!

call the center and explain everything. that simple.