I am being sued by Capital One Bank. They are represented by Legal Recovery Law Office. I found out about the lawsuit by checking the court website. I have not receive a summons/complaint yet.
This law office has never once tried to contact me so this lawsuit came as a complete surprise to me. Because they have never contacted me, I never got the chance to ask for debt validation. I have 30 days to respond to the summons/complaint. Is it too late now to ask for DV? I have every intention of dealing with this lawsuit. I will not just let them get a judgement by default.
Has anyone ever dealt with this law office/Capital One before? How do they serve you? In person or by mail? How likely is it that they the original creditor,Capital One, will settle the account for less than what they are asking for?
Any replies or advice will be greatly appreciated. Thank you.
By signing up for counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the pay off amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.