Latest Posts
Home > Reader Questions > Capital One Wants Me to Pay After Seven Years Or They Will Sue. – Heather

Capital One Wants Me to Pay After Seven Years Or They Will Sue. – Heather

Got a Capitol One credit card almost 8 years ago. I was young and irresponsible, went through some hard times in my life and stopped paying. I have not made a payment for more than 7 years, and now they are calling and saying that I will be served court papers.

I have a debt with Capital One from 8 years ago and now they are calling and saying that I will be served papers and have to go to court. Will I be given like a 30 day period once they serve those papers to still try and work something out with them? I live in Wyoming and the statute of limitations is 8 years. Are they threatening me as a last effort to try and get some money from me? I make barely over $1000 a month, am going to college, and have two kids that are depending on my income. I can not afford another bill, but do not want to be sued. Is it too late? Do you think it was just an empty threat as a scare tactic by a bill collector?

Heather

It’s time to put debt behind you and start dreaming about your life after debt. – Click to Tweet

The Answer

This reader question was submitted for site members to answer.

This is your chance to be a hero and help out this person by providing your feedback and answer to the question. Post your response in the comments section below.

If you have a credit or debt question you’d like to ask just use the online form.

Capital One Wants Me to Pay After Seven Years Or They Will Sue.   Heather
Get Out of Debt Guy – Twitter, G+, Facebook

Capital One Wants Me to Pay After Seven Years Or They Will Sue. - Heather by

Share This and Spread the Word

About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

Get My FREE Get Out of Debt Guy Newsletter

It is the smart thing to do.

I promise to keep your email safe and secure.

Close

I want to keep you posted each weekday with just one email about the latest get out of debt news, scam alerts and information to beat back debt.

You can unsubscribe at any time with just one click.

After you subscribe, check your email to confirm your subscription. If the confirmation email does not appear in your inbox in a few minutes, check your spam folder for it. Sometimes it likes to annoyingly hide there.


  • It will keep you posted on the latest scams.
  • You will be alerted to the latest articles.
  • You will wind up smarter than everyone else dealing with debt.