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Crapy settlement offer CApital One!


makia1212
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You should file an answer anyway, but still try to work on a settlement. Filing an answer will preserve your legal rights and prevent them from getting a default judgment. wentbroke is incorrect, they are not bluffing. Cap One files (an follows through with) suits for relatively small amounts...they filed against me for roughly the same amount as yours. Luckily in my case, their attorneys completely messed up the whole thing and they ended up paying me.

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I can't believe they would go to the trouble of hauling you to court for such a relatively small sum. They are bluffing. Captital One is scum.

Not bluffing:( sued me for $1567.00 :(

They do keep good records and are hard to beat in court. However they do violate the FCRA so get everything through discovery and look for mistakes in there calculations and DOFD.

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As Fred said, good luck!

They sued me for less than that, and I paid a settlement before I knew better.

Answer the complaint. Then, find out what you ACTUALLY owe them in the discovery phase.

They WILL offer a settlement more to your liking after/at that point.

Just dont let them get a default judgement.....answer!

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