I was speaking to someone about this forum and a question was put to me about CapOne's purchase of HSBC credit accounts last year. Specifically, if any of these accounts became the subject of a lawsuit, would one go about treating CapOne as you would any other debt buyer? I'm not sure but I think that HSBC will be still issuing credit cards in the US and did not sell all of it's credit card portfolio to CapOne. Any thoughts?