We were just served by a law firm hired by Capital One for a supposed credit card amount not paid over 3 years ago. We closed that account and paid any outstanding balance 3 years ago. We have 20 days to respond to the court if we wish to dispute this charge or we would lose by default. From everything I have found out Capital One is very deceptive in their credit card practice and it is common knowledge that they hire disreputable ambulance chaser law firms to go after people. These law firms try to add on as much as 26% interest plus whatever other charges they can think of to hike up what is really owed.

Does anyone know a proper letter form I can send the Court Clerk's office to dispute these charges and have the opportunity to address them in a timely manner?

I've tried form letters on line but have not found anything..

You will find the letter you want here on this website:

Credit.about.com

But before you proceed, get all your ducks in a row, your receipts, your statements, any proof you have that you have this debt paid off.

They don't hire law firms, they hire many many collections agencies that inflate the interest rate to cover their costs and that of the credit card company.

I have never had any problem with Capitol One, although the way things are going on the south side of the border makes me wonder what's going on with the Canadian economy as well.

Good luck.

I had a similar problem a few years back and I called the attonery general they kindly told me what to write. Beware that you must file this letter with the clerk of courts and send the creditor a copy of the letter send it with a signanture required and return receipt.