[legallegal]

I had a credit card with capital one, the credit limit was $300, I received a few bills with them, then never heard from them. This debt was in 2007, now I receive a paper telling me to appear in court and that I owe $694, how do I owe this when the original balance was 300, what happens if I don't appear in court and I was thinking of writteng the credit card company and settling with them. The attorney is claiming to represent the credit card company, what I want to know is why are they going after me for some small amount when people owe thousands, I don't own anything etc.. can they garnish my wages,alimony,child support, I have no bank accounts.

[ScottGem]

You owe double because of interest and fees because you didn't pay.

If you don't show in court, then will get a default judgement. That judgement can be used to garnish your salary or attach other assets.

What does it matter that other people owe more? What makes you think they aren't going after those peoiple too?

What did you think was going to happen if you borrowed money and didn't pay it back?

Yes contact the attorney and offer to settle.

[stevetcg]

They are going after you AND the people that owe more. They might go after you harder though because of the amount owed they are more likely to actually see some of it.

[Fr_Chuck]

If this is such a small amount, why have you not repaid it.

But I am surprised it is only doubt, triple would be closer on a small amount

Late fees, over lmit fee, court fee and attorney fee.
So yes double is very reasonalbe on a 300 dollar amount that ends up in court

[JudyKayTee]

So you think because it's "only" $300 you don't have to pay it back? Or am I misreading something here?

Another enlarged sense of entitlement.