Capital One

[Damian80]

I stopped paying on all my cards in April of 2007. Had about $2000 total between two Capital One cards (a Mastercard with about $1800, and a Visa with $200). Only last month did I receive a summons from an "attorney" in San Diego claiming to represent Capital One, and only suing me over the card with the larger balance.

[jwmc1]

I just got served today after around 13 months. Who would I send a DV to the attorney listed on the complaint or the court clerk?

I believe that ship has sailed...once you get served you can't send a DV to anyone

[ohnoyadidna]

I just got served today after around 13 months. Who would I send a DV to the attorney listed on the complaint or the court clerk?

[treehugger1]

Shado, You may be correct. I also have several judgments on my credit report and a recent suit from CitB. In addition, I now have several collection accounts posting on my credit reports. None of the collection accounts in the past 8 months (or so) have been paid. Yep, my credit report looks like a real train wreckm but still holding at 520 - 540. LOL.

[frogger]

Buckle up. Hot Linda will be calling soon

I just hope that she is as hot as your avatar!

[albacore44]

I've missed 1 payment with them so far, and haven't heard anything at all. Well, actually I have heard from them. I had 5 applications from them in the mail this morning. Imagine that....

Buckle up. Hot Linda will be calling soon

[frogger]

I've missed 1 payment with them so far, and haven't heard anything at all. Well, actually I have heard from them. I had 5 applications from them in the mail this morning. Imagine that....

[shado1021]

It's been 18 months since I paid Cap 1 and they haven't sued me yet. Perhaps they are aware that Discover already has a default judgement against me and my other Discover card has filed suit. Maybe they don't want to be third in line.

[treehugger1]

Owe about $15,000 to C1. Acounts have been to many CA's and collection attorney's firms. I DV'd them all. Sometimes C1 sent me months of copies of statements. So far, no suit from C1. I have not paid them for over 24 months. Your mileage may vary.

[jwmc1]

ok

[ForumReader]

I am new here, what is DV?

Welcome to the forum! DV stands for debt validation.

[jwmc1]

I am new here, what is DV?

[Pizza]

I owe them about $4000, missed ONE single payment due maybe THREE WEEKS ago and they have already turned the debt over to collections; vs. Citi which I quit on a few months ago and they are still sending me the 'friendly' letters. The guys at Cap1 are QUICK!!

I hope an actual lawsuit doesn't show up soon, but it's astonishing how quickly it went to collections.

[albacore44]

Betweem our 2 cards we owe $20k. You will get lots of daily calls from Hot Linda at first , Then they will send it to NCO (CA), then just DV them and it will go away for a while. i'm just passing 6 months PD no law suit yet

[jacko]

Usually folks who get summons tend to freak out and answer/call the lawyer listed on the summons to beg for a payment plan and or settle. In my case, I couldn't care less and did not respond. I think they the lawyer was fishing for prey. Since I know my rights and have taken legal proactive steps it wasn't a big deal. You may want to change banks and spread your cash around like opening up a Wal-Mart Visa debit account as insurance.

So about one year? That is what I figured...I just need to deal with the important expenses at this point.