I have been paying a debt collection agency $165.00 a month for the past 2 1/2 years to settle some of my debts one of which is capital one. I had been advised by this debt settlement company they were in negotiations with Capital one. Today I received a summons from an attorney - capital one is suing me for $11,000. The bulk of this $11,000 is interest, past due charges and over the limit charges. I am not sure how to deal with this in regard to this debt settlement company. They are registered with the BBB and seem to have a pretty good foundation. I do not know how to handle this summons and do not know how the judge will handle this. I also have had credit counseling and was advised I need to file for bankruptcy. Does anyone out there know how the judge will rule based on the fact I have faithfully been paying a debt settlement company to resolve my debt with Capital One... plus I am in debt counseling. This is all very unsettling to me right now. Does anyone have any advice for me on the best way to proceed. Are there any threads out there in regard to this so I can better educate myself and be prepared. If there are threads, please advise how I may find them. How do I respond to this summons

Go bankrrupt chapter 13 or even 7 if you qualify, is the only way to deal with Capital one, they won't work with you unless you force them. What you'r doing it doesn't make sense to me, your credit is ruined and paying such a small amount towards thousands of dollars in debt is going to keep it ruined for many years to come, you'll be always at risk of getting sued since every time you make a payment the statutes of limitations reset. Those credit counseling companies are a very bad deal, no matter what reputation might have with the BBB.
You can recover from bankruptcy in 5, 4 or even 3 years if you know how to play your cards.

Carl.-