“Dear Steve,
I had a baby in 2008 and i couldnt work for a year, so i got behind on all my bill ive been trying to pay one by one but capital one now is taking me to court
Hi thanks for this website!! i’ve been sue by capital one the original amount was 500 and now is 1200 plus court fees, should I try to contact capital one or wait for court day im really confuse please advise me on this, thanks a lot
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Rocio”
Dear Rocio,
If you’ve been sued by Capital One you can’t ignore that suit. You probably received a notice of the court date and you may have been asked to supply some information in advance. The document you received will tell you if you have.
When you go to court take with you a listing of your income and expenses in case you are asked for financial information. But just be mentally prepared to not win. The issue at hand is one of contractual law. You had an agreement with Capital One and for whatever reason you were unable to repay the debt. Capital One then added on late fees, penalties and additional interest to the debt and the balance grew to what it is today.
Your best shot at avoiding a wage garnishment to repay this debt is going to be to come to an agreement with the attorney handling the case for a payment plan that is mutually acceptable. If you need specific advice about your case and your local law you’ll have to find an attorney licensed in your state.
