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  1. Yes, the account was current at that point in time. I'll look into the agreements to see about arbitration. I'm not sure what else I'm able to do fighting an OC.
  2. @CCRP626 The account was opened in 2012. I've read a bit about people having good luck with arbitration, but I don't really understand the possible outcomes. Did CapOne stop the arbitration clause past 2010 or something?
  3. 1. Who is the named plaintiff in the suit? Capital One Bank (USA), N.A. 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) Michael J. Scott & Associates (Scott & Associates) 3. How much are you being sued for? $2427.17 4. Who is the original creditor? (if not the Plaintiff) 5. How do you know you are being sued? (You were served, right?) Served Papers 6. How were you served? (Mail, In person, Notice on door) In Person 7. Was the service legal as required by your state? Proc