I got a certified letter from Capitol One's lawyers that
states on top: You're being Sued!
It says that I entered into an agreement and have defaulted in the payment.
I have 35 days to respond to this!
I am not working right now, and cannot afford to pay them anything. I wanted to consolidate my credit after i found work- but they are already suing me.
I've defaulted for over a year.
I plan to go to free legal aid, but does anyone know what happens in these credit lawsuits when a person cannot pay now?
Does this mean i'll have to physically go to court?
Any info would be helpful.



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