Wondering if someone can help. I went to the bank the other day and both my joint savings & checking was negative $3850.00-EACH!! When I went to the bank manager he said a legal firm had froze my account for those amounts. When we called the firm, they could not even find me in their system. I had to call the bank and they told me it was for Capital One. I had owned this card 6 years ago, in my maiden name from Capital One for the whole amount of $458! That was the balance when I lost my job, and to be honest, I forgot about it. The lawyer's firm said I have to pay $1900 for interest and late fees, but they DOUBLED the amount (on both accounts so I am in debt for $7,600!! ) This attorney said they they attempted numerous contacts and tried to serve me with the Order to Appear! When I inquired why I have not been contacted by Capital One or her firm for the past 6 years, she gave me some strange address they had for me. I told her I never lived there. They said well they got that address from the US Postal Service that my PO Box was registered to that address. When I called the local Post Office and they pulled my card, they gave me an old address I used to live at, but it wasn't the one the Lawyer gave me! I asked the Post Master how she got this address and he said he had "NO IDEA!!"

My question is: I am a registered NY State Voter. I have a valid NY State drivers license. I have phone, cable, electric, and internet utilities all in my name registered to my current street address. I still have the same SS#. How could anyone claim that they could not find me, and furthemore state that they got this bogus address form nothing that was attached to me, but rather the Post Office? I live in small community, the local deli workers know where I live, the local police know where I live, but they could not find me to serve me an Order to Appear or the Court Date?? But yet they found me to freeze my account?

Because they froze all my accounts I signed a paper at the bank to pay back $100 month and to pay them an immediate $400 so my family could have some money to live on. So, technically they got back the original amount debted back. I do not work, I am a stay at home Mom. This attorney (from the firm who froze our acount) told my husband to get his own account and have his direct deposit go into his private account! I have hundreds of dollars in bounced check charges from checks I wrote before this all happened and subsequently bounced!

I have asked the attorney for the documents regarding this case, especially the letter from the Post Office that says my PO Box is registered to the address they attempted to serve me at. I have asked for the case #, etc. She has not sent it and is ignoring my messages. I do not even know what Court they got the Judgemnet against me or in what county?

MY QUESTION: WHAT DO I DO NOW?? I WANT TO FIGHT THESE CROOKS!

Step 1 should be obvious. Get a Lawyer now.