irismagnolia
May 27, 2009, 11:32 AM
On May 6, I received a summons that I was being sued by Capital One Bank (listed as plaintiff on summons) for unpaid credit card debt that I found out after pulling my credit reports from all three bureaus was already charged off last fall. The debt was around 2 years old.
I had 30 days to respond and made contact with a Consumer Protection Attorney who hasn't been very helpful or responsive so I found what information I could on the internet and today mailed by certified return receipt mail my response, a request for production of documents, and request for admissions to the law firm representing Capital One and the State County Clerk's office. After returning from the post office, I checked my messages and received a message from the same attorney who is representing Capital One in the lawsuit. Of course they haven't received the documents I'm sending them yet since I just left the post office but question is, should I call them and attempt to settle?
I'm supposed to be getting a refund from my student loan any day now and I'm willing to pay the amount I charged on the card but not the extra interest and late charges. If I call them and try to negotiate payment, what do I need to do regarding the papers I am sending them?
Thanks
I had 30 days to respond and made contact with a Consumer Protection Attorney who hasn't been very helpful or responsive so I found what information I could on the internet and today mailed by certified return receipt mail my response, a request for production of documents, and request for admissions to the law firm representing Capital One and the State County Clerk's office. After returning from the post office, I checked my messages and received a message from the same attorney who is representing Capital One in the lawsuit. Of course they haven't received the documents I'm sending them yet since I just left the post office but question is, should I call them and attempt to settle?
I'm supposed to be getting a refund from my student loan any day now and I'm willing to pay the amount I charged on the card but not the extra interest and late charges. If I call them and try to negotiate payment, what do I need to do regarding the papers I am sending them?
Thanks