Really being sued or scare tactic?
I received a letter today from an attorney that is representing Capital One. The letter states that "A lawsuit is being filed against you...You should be receiving a summons and complaint from the court in the near future". Along with that letter is another document that has the letterhead from my local judicial district court; although there is not a case number and there are a few blank lines. At the bottom there is the standard "This law firm is a debt collector attempting to collect debt for our client and any information obtained will be used for that purpose". I can't tell I am actually being sued or of this is an elaborate scare tactic... any one have experience with this?
I live in Michigan and the law firm is Weltman, Weinberg, and Reis. I did look up the name and he is an attorney.
Also, I heard somewhere that you can't be sued by a debt collector, it has to come from the credit card company directly. Is that true?