My wife and I both have a Capital One card with $1500 outstanding...both have just gone to collections. Has anyone had any experience with Capital One and how quickly they might file suit against us?
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Take $10 billion from the government and then sue me...nice
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I stopped paying crap 1 last November. Was served with a summons last month. Never responded and has been three weeks since the 20 day response deadline. I changed my checking account with another bank three months ago, so they have my old one on file. Collection proof until I file next year.
Originally posted by jwmc1 View Post -
So about one year? That is what I figured...I just need to deal with the important expenses at this point.Take $10 billion from the government and then sue me...niceComment
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Usually folks who get summons tend to freak out and answer/call the lawyer listed on the summons to beg for a payment plan and or settle. In my case, I couldn't care less and did not respond. I think they the lawyer was fishing for prey. Since I know my rights and have taken legal proactive steps it wasn't a big deal. You may want to change banks and spread your cash around like opening up a Wal-Mart Visa debit account as insurance.
Originally posted by jwmc1 View PostComment
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Betweem our 2 cards we owe $20k. You will get lots of daily calls from Hot Linda at first , Then they will send it to NCO (CA), then just DV them and it will go away for a while. i'm just passing 6 months PD no law suit yetStopped Paying CC's 2/2009. Retained Attorney 1/10/2010 Filed 1/23/2010. Discharged 5/19/10 $187K CC, $240K 2nd,$417K 1st, No asset Ch-7Comment
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I owe them about $4000, missed ONE single payment due maybe THREE WEEKS ago and they have already turned the debt over to collections; vs. Citi which I quit on a few months ago and they are still sending me the 'friendly' letters. The guys at Cap1 are QUICK!!
I hope an actual lawsuit doesn't show up soon, but it's astonishing how quickly it went to collections.Filed Joint, No Asset, > $100,000 Unsecured Ch.7 6/7/13 ~~ 341 Meeting 7/15/13 ~~ Discharged 9/16/13 !!Comment
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I am new here, what is DV?Take $10 billion from the government and then sue me...niceComment
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Welcome to the forum! DV stands for debt validation.Originally posted by jwmc1 View PostChapter 13 filer since Feb. 2018 under a 60 months payment plan
Please think positive and do not give up!Comment
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ok
Take $10 billion from the government and then sue me...niceComment
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Owe about $15,000 to C1. Acounts have been to many CA's and collection attorney's firms. I DV'd them all. Sometimes C1 sent me months of copies of statements. So far, no suit from C1. I have not paid them for over 24 months. Your mileage may vary.Comment
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It's been 18 months since I paid Cap 1 and they haven't sued me yet. Perhaps they are aware that Discover already has a default judgement against me and my other Discover card has filed suit. Maybe they don't want to be third in line.Comment
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I've missed 1 payment with them so far, and haven't heard anything at all. Well, actually I have heard from them. I had 5 applications from them in the mail this morning. Imagine that....All information contained in this post is for informational and amusement purposes only.
Bankruptcy is a process, not an event.......Comment
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Buckle up. Hot Linda will be calling soonOriginally posted by frogger View PostStopped Paying CC's 2/2009. Retained Attorney 1/10/2010 Filed 1/23/2010. Discharged 5/19/10 $187K CC, $240K 2nd,$417K 1st, No asset Ch-7Comment
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I just hope that she is as hot as your avatar!Originally posted by albacore44 View PostAll information contained in this post is for informational and amusement purposes only.
Bankruptcy is a process, not an event.......Comment
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Shado, You may be correct. I also have several judgments on my credit report and a recent suit from CitB. In addition, I now have several collection accounts posting on my credit reports. None of the collection accounts in the past 8 months (or so) have been paid. Yep, my credit report looks like a real train wreckm but still holding at 520 - 540. LOL.Comment
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