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  1. Tomorrow morning I need to appear in court again as Capital One has sued me for about $2K. The first time I was in court, I filed an answer to the compaint and told the Judge I was not familiar with this account. So she postponed mediation until CO attornies can provide me with evidence that it belongs to me. What they mail me was a bunch of statements. However, the last statements balance is less than the amount I am being sued for. So my question is, should I call the balance into question?? Should they have to prove how they calculated this balance to the penny, including any late fee, interest, etc. ...and would they have that to prove that I agreed to these terms? My point it, I just don't think they have a signed credit agreement on me. So would that work in my favor? Also, in the even I decide to settle in pre-trial, ...what %age can I get away with? I was thinking to offer $0.10 on the dollar.
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