OK, I had some financial trouble about 4 or 5 years back. I have since cleaned up my credit with the help of an attorney and I am back on track. I thought that a particular debt was written off, then today I was served at home for a notice in small claims court! Capital One Bank is suing for $ 2,200. I was previously advised that it would not help my credit if I had paid that debt, which is now almost totally fees and not an actual amount I charged, and I certainly did not dream that I would be sued in small claims court. Yes, I realize I screwed up financially, that is obvious and I have fixed that. Now I am wondering what to do about this. This company is essentially suing me for fees that they just tacked on. Anyway, I don’t know if they expect me 1)not to show up and a judgment will be automatically put in against me or 2)get scared, call them (they put their number in the papers so I could “work it out”) and pay their requested amount. Advice?
I hardly think I am one of the people causing the economy to go down the drain. I am a graduate student in addition to working, so I have paid my share of money to taxes, schools, etc. My credit troubles are NOT more recent than 4-5 years ago, which is why I was very surprised to see this.