Can I validate a debt after being served with a lawsuit from a credit card company?
I am being sued by Capital One bank because I defaulted on a credit card. I have received intermittant letters from different collection agencies regarding this account. I didn't know anything about validation of debt. Anyway, my husband got a call from a collection agency saying they were calling on behalf of Capital One bank. They said we owed 1200.00 but if we paid today they would settle for 800.00, my husband basically said he didn't know what card they were talking about and he would just pay over the phone. They said if I didn't contact them by the end of the week they would sue. I didn't believe they would but they did. I need to answer the court by Jan. 22. Can I also send a letter to company to validate the debt? Or is that too late?
Comment on JudyKayTee's post
I actually have a question for you. I received a collection letter from a debt collector and then was served papers to go to court. I hired an attorney and he called the attorney representing the collection agency because he told me at that point I already lost the suit. He had me agree to pay 5000.00 on an account that never had a limit over 4000.00 but they were demanding 11000.00. Now I have another collection letter and while out of state was told that a server had come to my apartment building. This latest one's last activity was over 10 years ago. GE Capital won't give me written proof that my last payment was October 2000, but that is what they have on record, they said I can request in writing the proof but all forums say they won't comply because it is a courtesy. What can I do, I don't have my credit reports showing any of my old charged off accounts.