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Frederick J. Hanna & Associates is Trying to Collect an Old Capital One Debt From Me. – Ann

“Dear Steve,

I am in debt with Capital One credit card company. I’ve been unable to pay them for the past year. I just recived a letter from FREDERICK J. HANNA & ASSOCIATES, P.C. ATTORNEYS AT LAW.

It states I need to contact them to make arrangements to pay the unpaid balance. If I don’t notify the office within 30 days they will send me a Judgment. It also states at this time, no attorney with this firm has personally reviewed the particular circumstances of your account. However, if you fail to contact this office, our client may consider additional remedies to recover the balance due. The blance due is $857.02

Is Capital One Credit going to sue me of 857.02

Should I notify this law firm?

What should I do?

Ann”

Dear Ann,

If you believe the debt is correct, then yes, you should contact the law firm and come to some agreement on how to pay the old debt.

If you don’t feel you owe this debt then send a letter to the law firm within 30 days of the letter and ask for a copy of the written agreement you signed and statements to show you owe the debt. Send this handwritten letter to them by some type of traceable method like certified mail return receipt requested, UPS, or FedEx.

Can you be sued over an $857 debt, why yes you can.

Sincerly,
Steve

You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

READ  I Owe Capital One $55,000 And Have Not Paid in 8 Months. - Dawn



About the author

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.

11 Comments

  • Did you receive and respond to the letter as described above by other people? or did you ignore it and was served and later went to court?
    I don’t know if I should respond to the letter asking for validity of debt or if i should ignore and wait to go to court, if it happens.
    your advice is appreciated

  • i was sued by j hanna for a debt fom a paypal credit card. my debt was over $3000 and when i went to court i asked for the proof of debt from the collection agency. j hanna didn’t have the proof so the judge adjorned and a month later i went back to court – thinking j hanna would have proof of my debt, but istead they filled a dismissal without prejudice. i’m absolutely skeptical about these guys and would love to sue them for everything they’re worth. bu i’m not a lawer and i have no money for one. so i’m out of luck on trying to proove anything with j hanna.

    most importantly, if you get anything from j hanna ALWAYS defend yourself in court. they only want your money.

    • Did you receive and respond to the letter as described above by other people? or did you ignore it and was served and later went to court?
      I don’t know if I should respond to the letter asking for validity of debt or if i should ignore and wait to go to court, if it happens.
      your advice is appreciated

  • They filed a suit against me as Capital One verses me. I haven’t been served the papers yet but the way I found out about it is from advertisements I began to receive in the mail. They were attorneys wanting to represent me. I went to the court house to confirm the case number and it was valid. I did respond to them when I first got their letter back in November requesting them to prove I owed their “law firm” the money they said I owed and, to this date, they failed to send me the documents I requested. Also that last paragraph in their letter about no attorney has reviewed the particular circumstances…. yada yada yada …….. Then how is it that they pulled my credit report from Equifax on the exact same day their letter is dated. Whould you call that misleading?

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