Being sued by Capital One! Anyone know any lawyer who operate beside companies approaching this?
Over the last several years, I have tried, to no avail, to settle next to these people. THIS COMPANY IS JUST EVIL. Can anyone help? Any consumer advocate out there?? I just can't compete near their resources!!
Answers:
I dont know the answer but i just let my property one card recently go into collections. they are a horrible company..ridiculous interest rates and fees. i even get my wallet stolen once the person used my card 5 times at the same place-gas station (the darkness it got stolen) and they wouldnt even refund the money. i go over my credit limit, cut up my card..asked them to please raise my put a ceiling on so i wouldnt keep getting hit with the overage fees and they wouldnt do anything. hope you find a suitable lawyer and sue their asses good.
If they have a signed credit card application from you and the debt is inside the statute of limitation, then near is not much point in trying to fight them .
Are you sure you are self sued? Have you received an official summons from the court with a confirmed court armour docket #? A letter from a debt collector threatening legal accomplishment is not a summons. If you can confirm that this is a real summons, then here is some generic support in dealing with it:
Send this debt collector and the court a communication via Certified Mail with Return Receipt (NOT regular mail) stating:
Notice of Intent to Defend
I cannot officially respond to your claim until validation is made for the alleged debt. I am properly requesting validation of your claim, to include:
- A copy of the original application with my signature for this alleged debt
- How much be this debt purchased for?
- Provide a fully itemized statement for the amount you are asking which clearly details how this amount over the amount that was paid for this debt be calculated, including the interest rate being charged. Confirm that this rate falls within state usury limitations
- What is the “Date of Last Activity” being used to calculate the Statute of Limitations for the alleged debt
This dispatch has been mail via Certified Mail with Return Receipt. Receipt of this letter is anyone officially time stamped.
--------------------------------------
Fill out the response to the court the best that you can. Also mail this via Certified Mail beside Return Receipt -------------------------------
IMPORTANT****: On the court date: DO NOT be a no-show under any circumstances whatsoever. Not showing up is the worst thing you can possibly do. Even if you are frightened....or you're sick next to a 102 degree fever...or if you contemplate that you'd loose anyway...show up anyway! If you don't, the other side will get a default judgement and they will gain this on THEIR terms. They will tack on all sorts of accessory fees and the amount of the judgment could end up one two or three times the actual amount of the debt.
On the court date:
- bring complete documentation of your income and living expenses: Pay stubs and copies of bills. Even if you loose, you can use this to negotiate much more favorable repayment terms. Request the following info from the other side on the court date:
Request the exact same information as noted above in the certified communiqué from their attorneys.
===============================
Lastly....if they take you to court and win a judgement, this will authorize them to freeze your checking accounts....To be safe, this might be a worthy time to start pulling out any money you have in check/savings accounts and putting the change in a safe deposit box to preserve them from getting your money. Also, stop any direct deposits of payroll checks
Check the statue of limitations in your state for debt being collectable. Contact a legal representative for sure get a free consult, Also pick up a credit repair book they explain all going on for how collectors and judgments work.
Related Questions:
Which situation give you better hours? working for the FBI or one a legal representative?
How do I sue for money owed me minus using a advocate?
What is the entitle of the investigation type show near, i believe be lawyer.. (its from a few years ago)
Should I acquire a advocate?
I enjoy court for assualt and freestyle on my husband, I slapped him is adjectives. Do I necessitate a legal representative, if ...?
Answers:
I dont know the answer but i just let my property one card recently go into collections. they are a horrible company..ridiculous interest rates and fees. i even get my wallet stolen once the person used my card 5 times at the same place-gas station (the darkness it got stolen) and they wouldnt even refund the money. i go over my credit limit, cut up my card..asked them to please raise my put a ceiling on so i wouldnt keep getting hit with the overage fees and they wouldnt do anything. hope you find a suitable lawyer and sue their asses good.
If they have a signed credit card application from you and the debt is inside the statute of limitation, then near is not much point in trying to fight them .
Are you sure you are self sued? Have you received an official summons from the court with a confirmed court armour docket #? A letter from a debt collector threatening legal accomplishment is not a summons. If you can confirm that this is a real summons, then here is some generic support in dealing with it:
Send this debt collector and the court a communication via Certified Mail with Return Receipt (NOT regular mail) stating:
Notice of Intent to Defend
I cannot officially respond to your claim until validation is made for the alleged debt. I am properly requesting validation of your claim, to include:
- A copy of the original application with my signature for this alleged debt
- How much be this debt purchased for?
- Provide a fully itemized statement for the amount you are asking which clearly details how this amount over the amount that was paid for this debt be calculated, including the interest rate being charged. Confirm that this rate falls within state usury limitations
- What is the “Date of Last Activity” being used to calculate the Statute of Limitations for the alleged debt
This dispatch has been mail via Certified Mail with Return Receipt. Receipt of this letter is anyone officially time stamped.
--------------------------------------
Fill out the response to the court the best that you can. Also mail this via Certified Mail beside Return Receipt -------------------------------
IMPORTANT****: On the court date: DO NOT be a no-show under any circumstances whatsoever. Not showing up is the worst thing you can possibly do. Even if you are frightened....or you're sick next to a 102 degree fever...or if you contemplate that you'd loose anyway...show up anyway! If you don't, the other side will get a default judgement and they will gain this on THEIR terms. They will tack on all sorts of accessory fees and the amount of the judgment could end up one two or three times the actual amount of the debt.
On the court date:
- bring complete documentation of your income and living expenses: Pay stubs and copies of bills. Even if you loose, you can use this to negotiate much more favorable repayment terms. Request the following info from the other side on the court date:
Request the exact same information as noted above in the certified communiqué from their attorneys.
===============================
Lastly....if they take you to court and win a judgement, this will authorize them to freeze your checking accounts....To be safe, this might be a worthy time to start pulling out any money you have in check/savings accounts and putting the change in a safe deposit box to preserve them from getting your money. Also, stop any direct deposits of payroll checks
Check the statue of limitations in your state for debt being collectable. Contact a legal representative for sure get a free consult, Also pick up a credit repair book they explain all going on for how collectors and judgments work.
Related Questions: