Reader Questions

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?


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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.

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