capital one

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  How Creditors Rate at Helping Consumers Settle Debt

  Michael Bovee, over on his Debt Relief and Credit Guides site has published a very good guide for people about how the major creditors are at providing settlements for problem debt. It’s a really good list and...

  • Posted July 31, 2013
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  Debt Relief Bureau Logo But Not the Debt Relief Bureau in This Mailer

  When if the Debt Relief Bureau, not the Debt Relief Bureau? When you get a flyer in the mail from an anonymous source promising you help to get out of debt. An amazing reader Tish sent in...

  • Posted July 29, 2013
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  Can I Get Macy’s and Capital One to Please Charge Off My Credit Cards? – Brigitte

  “Dear Steve, I live in California, I’m 55yrs old woman, my 3 daughters just finished college, last month I lost my job, I have 2 credit cards, one is Macy’s for $5,000 and the other Capital one...

  • Posted May 16, 2013
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  Will Capital One Take My Truck and Tools? – Chuck

  “Dear Steve, I am 74 I get SS. I got behind when the economy fell in 07-09, lost my job I have a private work shop that I do side work out of for extra income, not...

  • Posted March 17, 2013
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  A Company Says They WIll Sue Me Over a Decade Old Capital One Debt. – Cheryl

  “Dear Steve, I received a call on my cell from a blocked number this morning at 8:00 am that left a message giving a phone number and case number and stating it was from Legal Service, no...

  • Posted March 15, 2013
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  Capital One Collector is Threatening to Sue Me. – Becky

  “Dear Steve, I have a credit card debt with capital one. I havent heard from them in over 8 yrs…a Collection agency called today and asked Me questions…if i worked last yr…am i Getting a refund. Etc....

  • Posted February 21, 2013
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  How Do I Settle My Capital One Judgment? – Karen

  “Dear Steve, I have a capitol one judgement against me from 2007. At that time it was 1685 now its 3780 with interest and court costs. I want to settle with a one time payment but they...

  • Posted February 20, 2013
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  My Capital One Account is Higher Now Than When I Enrolled in the Debt Settlement Program. – Maureen

  “Dear Steve, My question is this: I am enrolled in a debt consolidation program with care one. I have already settled 2 of the 3 accounts that are part of my plan. The last one to be...

  • Posted January 16, 2013
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• Can Capital One Get a Judgment Against Me?

  Capital One has a judgement againest me, my only income is Social Security and I have no assests. I can not afford to pay debt what can be done to me? Can my checking acct account be...

  • Posted September 17, 2012
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• Capital One Spanked by OCC Over Servicemembers Civil Relief Act Violations

  The Office of the Comptroller of the Currency (OCC) today announced enforcement actions against Capital One, N.A., and Capital One Bank (USA), N.A., for violations and compliance deficiencies related to the Servicemembers Civil Relief Act (SCRA). The...

  • Posted July 26, 2012
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• CFPB First Public Enforcement Action Against Capital One for Payment Protection and Credit Monitoring

  The Consumer Financial Protection Bureau (CFPB) announced its first public enforcement action with an order requiring Capital One Bank (U.S.A.), N.A. to refund approximately $140 million to two million customers and pay an additional $25 million penalty....

  • Posted July 18, 2012
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• Machol & Johannes is Calling to Collect on a Capital One Debt. – Cheryl

  “Dear Steve, Got behind on CC, due to a home base business and tried to make payment plans and they were withdrawing till end of March, got calls from them and life happened and was unable to...

  • Posted June 27, 2012
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• My Parents Just Filed Bankruptcy But Some Guy Keeps Coming to Their Door Claiming to Be From Capital One. – Monique

  “Dear Jon, I am contacting you because of my parents. They are in their 60s and late 70s. Our lawyer just filed their credit bankruptcy after a long waiting period. The issue we are having is that...

  • Posted June 24, 2012
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• Capital One Sued Me And Got a Judgment After the Case Was Dismissed. – Linda

  “Dear Steve, Capital One wrote off their debt, turned over to a Collection Agency who has now sent to an attorney,,,they got judgment against me and I motioned to have that set aside which was denied,,now at...

  • Posted May 7, 2012
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• West Virginia Settles Charges Against Capital One

  West Virginia Attorney General Darrell McGraw announces a settlement his office reached with Capital One Bank (USA) N.A.; Capital One Service, LLC, a Delaware corporation; Capital One Services II, LLC; Capital One Services III, LLC; COSI Receivables...

  • Posted January 17, 2012
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• Capital One Told Me They Don’t Own My Debt Anymore. – Wendy

  Even though they can’t collect on a judgement against me, I would like to avoid one, especially since it appears to be a bottom-feeding JDB who is suing me expecting a default judgement. I want to make...

  • Posted December 29, 2011
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• Sued by Mendelson Law Firm on Behalf of Asset Management for Capital One. – Theresa

  I’ve been sued by Mendelson Law firm on behalf of Asset Management for a debt of roughly $3500 owed originally to Capital One. In February of this year I offered a settlement amount of $1300. After about...

  • Posted December 28, 2011
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• Being sued by Capital One – should I sign the agreed judgment? – Charla

  I lost my job 3 yrs ago. I was unemployed for 8 months with no income at all. I am now employed – but only part time. Can barely make the house payment and put food on...

  • Posted December 22, 2011
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• Capital One is Suing Me for a Capital One Card I Got After Bankruptcy. – Robert

  “Dear Lewis, Hi, I filed chapter 7 back on 2003 or 2004. but got a credit card after my debt was cleared from capital one. I lost my job and couldn’t pay them. after 6 years they...

  • Posted September 12, 2011
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• I Settled My Capital One Debts But It Doesn’t Show That On My Credit Report. – Jen

  “Dear Steve, I am in CA and I received a call from a collection agency on 9/6/11 about a credit card with Sams Club. They took me completely by surprise and against my better judgment I answered...

  • Posted September 11, 2011
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• Capital One Won’t Accept My Settlement. I’m Disabled. – Wendy

  “Dear Steve, I had good credit until I suffered a stroke after my 25 year marriage fell apart. I am on a fixed income now of $1380 from SSDI. Like Genie was, I am also being sued...

  • Posted June 23, 2011
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• How Can I Lower My Capital One Credit Card Interest Rate? – Kelly

  “Dear Michael, I’m 49 and married. Credit card is with Capitol One and I’ve had it for at least 6 years. No late payments. I don’t remember what my interest rate used to be, I think around...

  • Posted June 7, 2011
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• Capital One Sued Me and Won. Now I Want to Setup Payments But They Want Me to Pay More Than I Can Afford. – Bill

  “Dear Jeremy, I received a Money Judgement from the district Justice Court to the Common Pleas Court for 7,071.00. from being sued by Capital One. I tried to set up payments that I could afford, however they...

  • Posted May 24, 2011
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• We’ve Worked Hard to Repay Our Debt But Now In a Tough Spot With Capital One. – Kerri

  “Dear Steve, We had some life changing circumstances in 2004… it led us to stop paying on 11 credit cards. We went through a debt consolidation company and they basically took our $3800 and did nothing… In...

  • Posted March 15, 2011
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• How Can Capital One Charge Off My Debt And Keep Charging Me Excessive Fees? – Angelo

  “Dear Steve, I was always under the impression that banks are required to charge off debt at 180 days. Just about every issuer does this and account balances dont seem to increase much more from that point...

  • Posted March 1, 2011
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• Capital One – DIY Credit Counseling Repayment Plan Terms

  The following information is designed to assist you to put together a self-directed debt repayment plan with the creditor listed. This information has been obtained from a number of sources and while believed accurate at the time...

  • Posted February 12, 2011
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• 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,...

  • Posted November 8, 2010
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• How Can I Stop Creditors From Tacking On Extra in Court? – Laurie

  I owe about 5,000 in total – i am living in court these days but my real issue is not paying the card in payment is the extra almost 1,000 they tack on – how can I...

  • Posted October 31, 2010
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• Thanks for This Website! – Rocio

  “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...

  • Posted September 22, 2010
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• Steven is Disabled, in Foreclosure, and Being Sued by Capital One

  “Dear Steve, A hard working blue color man, worked for 30 years before getting injured on the job May of 08. I am now considered disabled. Besides trying to save my home from foreclosure, Capital One is...

  • Posted August 27, 2010
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• Can I Be Sued and My Wages Garnished if I Make $70 a Week? – Karylan

  Karylan “Dear Steve, I am 24 yrs old living at home with my mom and might be getting sued by capital one. I work at a grocery store about 8 hrs a week sometimes not even that....

  • Posted August 26, 2010
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• Capital One is Suing Me. Do I Have a Case Against Capital One? – Jody

  “Dear Steve, okay here we go I have just recieved a summonds in the amout of $9700.00 from a lawyer claiming to represent Capitol One. Now i’m not claiming that i don’t owe capitol one money but...

  • Posted August 17, 2010
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• Capital One Just Raised My Interest Rate by 5%. Should I Close My Account? – Lori

  “Dear Steve, Capital one just raised my interest rate by 5%. I have never even been late with a payment. Should I close the account and pay off at old interest rate, or just accept the new...

  • Posted August 14, 2010
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• I’m Being Sued By Capital One. Should I Go Bankrupt? – Laura

  “Dear Steve, My husband and I have been struggling for over a while now. I lost my job in the middle of July 2005 which cause us to default on our credit cards in September. I took...

  • Posted July 22, 2010
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• Mohamad Wants to Pay His Creditors If Only They’d Let Him

  Mohamad “Dear Steve, Our company closed by end of January and I’m behind with my bills. I’m struggling to pay my mortgage. I call other credit cards and some of them made payment plan and lower the...

  • Posted July 18, 2010
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• Capital One is Suing Me and I Have 30 Days to Respond. – Sue

  Sue “Dear Steve, I have two issues really. First, Capital One is suing me and I have thirty days to respond and I am gathering my information for that response. What sort of documentation do I need...

  • Posted June 15, 2010
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• I’ve Struggled to Pay On Two of My Cards But Capital One Just Sued Me. – Stacia

  “Dear Steve, I am 26, engaged, and have one child. I graduated with a BA in 2008 and the only job I found was as a secretary at the university I went to school at. While in...

  • Posted June 7, 2010
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• I’m Living in China and Having Problems With Capital One. What Should I Do? – Christina

  “Dear Steve, I opened a Capital One card in September 2005 in order to have an emergency card while I was on a trip to China. The card never arrived in time and from December 2005 onward...

  • Posted May 20, 2010
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• I’m on a Fixed Income and Can’t Afford My Minimum Credit Card Payment. – Theresa

  Theresa “Dear Steve, I’m on a fixed income and finding it more and more difficult to pay my credit card’s monthly minimum payment. My credit is already pretty well shot as I had to let my car...

  • Posted May 14, 2010
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• Capital One is Only Suing Me On One of My Cards. – Angela

  “Dear Steve, I live in Illinois and have been summons to court for debt to capital one.My question is why is capital one suing me only for one card I have defaulted on when there are two?...

  • Posted May 10, 2010
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• I Had a Baby, Lost My Job, and Can’t Pay My Credit Cards. – Amanda

  “Dear Steve, In October 2008 I lost my job. I have 2 credit cards through Capital One and could not afford to make any type of payments on them bacause I had to pay for food and...

  • Posted April 21, 2010
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• I’m in College and Getting Sued by CapitalOne. What Do I Do? – John

  “Dear Steve, Full time college student with debt from credit cards and past balance for a college in California. I’m a 21 year old college student (about a year left of school) My student loans are all...

  • Posted February 13, 2010
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• Capital One Sued by West Virginia Attorney General

  Attorney General Darrell McGraw has sued Capital One Bank (USA), N.A. and four other companies in the Circuit Court of Mason County for unfair and deceptive acts and practices, unlawful debt collection practices, and unconscionable conduct in...

  • Posted February 1, 2010
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• Capital One Payment Protection Isn’t Covering Me. – Danielle

  “Dear Steve, I lost my job in November of 2008, the day after it happened I called Capital One ( which I had 2 credit cards with) to activate my payment protection on both cards. I had...

  • Posted January 16, 2010
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• I’m a Hard Working Blue Collar Worker And I Can’t Pay My Bills. – Steven

  “Dear Steve, A hard working blue color man, worked for 30 years before getting injured on the job May of 08. I am now considered disabled. Besides trying to save my home from foreclosure, Capital One is...

  • Posted January 5, 2010
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• My Wife and I Are Retired With $28,000 in Credit Card Debt. – Dale

  Dale “Dear Steve, My wife and I are both retired. Our ages are 68. We find ourselves $28,000 in credit card debt. with a car payment and a motgage. Six of the credit cards are from Capital...

  • Posted January 3, 2010
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• How Can I Get a Credit Card Company to Accept a Repayment Plan I Can Afford? – Scott

  Scott “Dear Steve, How can I get a credit card company to agree to a repayment plan that we can afford? My stepdad passed away last fall, and as family stepped in to help my aging Mom,...

  • Posted January 1, 2010
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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....

  • Posted December 29, 2009
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• I Filed Bankruptcy and Debt Collectors Are Violating My FDCPA Rights – Maria

  “Dear Steve, I have many messages left on my answering machine from debt collectors. Some of which I believe are violations of the FDCPA. Creditors Interchange has left messages about expediting judgment against us-no mini-miranda ever. Fred...

  • Posted December 12, 2009
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• I Owe Capital One $55,000 And Have Not Paid in 8 Months. – Dawn

  “Dear Steve, I owe $5,500 to Capital one. I have not paid in 8 months and it went to collection. They said they are going to sue me. I dont have the money to pay on this...

  • Posted December 10, 2009
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