Hi, I have been looking over theese forums for a bit now, and I have found that a lot of you help each other. I have a bit of a problem and I am not sure what to do. I have read the below link:
edit: ok, it won't let me post this link either, even though it is a link to a thread on this website. sorry
I have 2 Capital One accounts that are old (a credit card, and a Loan) and I am not sure which one this is. If it is the credit card, based off of the limited information I have been able to find, it appears as if the suit was filed 2 days after the SOL was up. If it's the loan, it looks like they beat the SOL by 2 months.
I have had my suspicions that I was being sued for about 2 weeks as I started getting "junk" advertisement mail from attorneys to defend me against the suit. I usually chunk such mail in the trash, but I was getting quite a bit of it, so I thought maybe they knew something I didn't know.
Last night my wife got home to a orange sticker on our front door that said investigation in big letters on the top. It had a business car attached to it of a Process Server......so that pretty much confirmed it.
I have been going to this website:
edit: it won't let me post this link, but it is a harris county district clerk record and document online search.
and searching everyday for it to show up. Some of the junk mail I have gotten has case numbers on it, and they are all the same, but it doesn't show my information on there, even when I search by name or anything.
I used to have really good credit, and made good money, but that was over 5 years ago. When I lost my job back then, I called everyone I owed for help. The ones that worked with me, I continued to pay, the ones that didn't want to work with me, I had to stop paying. Capital One was one of the ones that not only wouldn't work with me, but also told me that since I called, I became high risk and they would now increase my minimum payments. I stopped making paymetns all together to them at that point.
During the past 5 years, I have continued to make payments on time to:
My mortgage, on time every month.
My wife's car, on time every month and it is now paid off (low payments of $254.50)
My only remaining credit card with my Credit Union, on time every month, the minimum, and I still owe around $9,000 on it.
that is really all I owe other than regular bills.
things that have not been paid on for 4 years:
Capital One credit card: was around $9,500, now I get CA letters for around $22,000
Capital One loan- was around $18,000, now I get letters from CA's for around $33,000
Chase Visa-was around $9,000. I have not gotten any letters or attempts to collect.
I have not had any contact with anyone from CA or the OC in the past 4 years.
So, now I'm being sued by one of the Capital One companys, I do not know which. I do not have any money for a lawyer, I actually operate in the negative each month and do what ever kinds of jobs I can to make it work. I'm not a bum, I do not get any kind of help from anyone or any institution, and I work 60+ hours a week....My wife and I just don't make enough money. I really don't have any assets. Savings is empty, House is still being paid on, the cars I own aren't worth much at all. I have no 401k or any other investments. I really just don't know what's going to happen, or what I can do. Any advice would be helpful, sorry about the book I wrote in here
