I have a court date on April 15th, after answering a summons from Fredrick J. Hannah/Dennis E. Henry. I have heard that these guys are scumbags, and I owe Capital One around $1500.00. Well, the summons didn't even include an account number (My husband and I have 3 Capital one cards between us).
The only thing that was attached was a page of the cardholder agreement with a circle around the part that says they can charge for legal fees it they sue.
Well, I was planning on showing up and challenging the fact that they (Dennis Henry) aren't even contracted with Capital One, and hoping from what I read about these bottom feeders, that they will just file for dismissal. I have read that they just hope you don't show up so that they will get a default judgement.
Anyhow, I received a lovely letter from them yesterday that they would like to not have "to put me through" going to court, blahblahblah and they would like me to call them to discuss.
I was wondering if I should call them? I am really not worried since I am preparing to file bk(pro se) on or around May 1st. I didn't know that if I called them if they would go ahead and file a motion to dismiss, or if I just shouldn't call, and show up next week and explain to the judge that we are filing bk, and that my husband doesn't have a job and I only work part-time, and we can't pay this. We are both self employed (so I am not worried about them garnishing wages).
Thoughts, anyone?
Thanks!
The only thing that was attached was a page of the cardholder agreement with a circle around the part that says they can charge for legal fees it they sue.
Well, I was planning on showing up and challenging the fact that they (Dennis Henry) aren't even contracted with Capital One, and hoping from what I read about these bottom feeders, that they will just file for dismissal. I have read that they just hope you don't show up so that they will get a default judgement.
Anyhow, I received a lovely letter from them yesterday that they would like to not have "to put me through" going to court, blahblahblah and they would like me to call them to discuss.
I was wondering if I should call them? I am really not worried since I am preparing to file bk(pro se) on or around May 1st. I didn't know that if I called them if they would go ahead and file a motion to dismiss, or if I just shouldn't call, and show up next week and explain to the judge that we are filing bk, and that my husband doesn't have a job and I only work part-time, and we can't pay this. We are both self employed (so I am not worried about them garnishing wages).
Thoughts, anyone?
Thanks!
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