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Thanks for all of your replies! I will try contacting them and writing them a letter to explain my situation. Do I need to provide any proof such as bank statements showing no income? Do I need to...

The letter is from Capital One and says in the first paragraph:

" We are writing to inform you that your account was referred for legal action. A court date has been scheduled for 20080807 in...

I received a letter today from Capital One stating that I owe them a little less than $800 and that they had scheduled a date in court in early August in Richmond (over 2 hours from where I live). ...