Capital One

[MsoLost]

I'm not sure if this is in the right section, but if someone could help me that would be fantastic.
Today in the mail, I got a letter of Civil Complaint, that "capital one bank (usa), N.A." c/o some lawyer is taking me to court on a credit card i had back in 2006. The card had a 500 dollar limit, and was from when I started college. My mom used the card to pay for a plane ticket and never paid the money on it, and me being a broke college student without a job never did either. At the bottom of the letter is say "Defendant owes Plaintiff the principal amount of $1,290.92, interest of $602.76. Breach of Contract on said account; Money due and owing on an account stated; Money due and owing on an open book account; Reasonable value of goods sold and delivered and / or services rendered; and Unjust enrichment.

Pursuant to PA.R.E. 902, plaintiff intends to introduce business records into evidence at trial. Said records are available for inspection in advance of trial."

I have absolutely no idea what any of that means, or what to do about this. I'm 24, I live with my parents, dropped out of college because I couldn't afford it, I don't have a job (been looking for like 2 years, but there is nothing), my bank account is in the negative right now. Only my dad is working, we are barely making ends meet.

I'm so lost, I have no idea what to do.

[Lian]

It means that they have filed a lawsuit against you, and that you have the right to request any information relevant to your defense by motioning the court for the information under their pre-trial discovery process. That allows you to compel their disclosure of information that you normally would not be able to obtain under the FCRA dispute process.

It also should have provided you a time period to file a response to their action. I suggest you consult an attorney.