Overwhelming credit card debt is a very common situation that affects millions of Americans. Many credit card companies sell their unpaid accounts to a debt buyer or write them off. But Capital One Bank, more than any other creditor, has been known to file collection lawsuits against customers with unpaid debt.
Are you being sued by Capital One? Don’t worry. You don’t have to have to handle this alone. Benjamin Trotter, Attorney at Law P.C. at Debt Legal Defense can help you with your case against Capital One or any other creditor or collection agency.
If you receive a notification of a debt collection lawsuit against you, here’s what to do.
Step 1: Contact a Debt Defense Attorney
The very first thing you should do is contact a local debt defense attorney. Do not contact Capital One directly or attempt to negotiate with them. Do not make any payments or agreements to pay. Do not file for bankruptcy or make any other changes to your financial situation or credit. Consulting with a debt defense attorney should be your only action at this time.
Step 2: Let Your Attorney Handle Your Case
Once you begin working with a lawyer, any communication with Capital One will be handled by the law office from this point forward. A debt defense attorney is well-versed and experienced in dealing with credit card companies and debt lawsuits. A lawyer knows how to communicate and what to do in order to get the best possible outcome.
At various times throughout the case your attorney may ask you to provide various forms of documentation to assist with the process. Do your best to submit whatever paperwork is required to help your case in a timely manner to help things go as smoothly and quickly as possible.
Step 3: Wait For a Decision
These cases can take some time to work out. It is important to be patient and let your attorney communicate with you as needed along the way. The ultimate goal is for the creditor to drop the charges. The next best outcome is for them to agree to a settlement. Most debt lawsuits are settled out of court. In many cases where someone is being sued by Capital One, with the help of an attorney the defendant is completely absolved of the debt or else the debt amount is significantly reduced.
Being Sued By Capital One? Call Debt Legal Defense for a Free Consultation
Benjamin Trotter, Attorney at Law, P.C. is an expert in debt lawsuit defense. Our office has helped many clients who were sued by Capital One or other creditors. Don’t let the stress and worry of debt plague you or let creditors harass you anymore. You have a right to financial peace, and the Law Office of Benjamin Trotter can help you achieve it.