I received a summons from Love, Beal & Nixon on behalf of Capital One bank. It lists Capital One as the plaintiff, but the contact is Love, Beal & Nixon as attorney for plaintiff. I have to file an answer within 35 days, beginning Sept. 8th and I don't have a clue where to begin, not to mention I am broke! They show me owing $1152 on what I know was a $500 credit limit visa card. They also claim to ask for attorney's fees of $200 and court costs.
I called them, which may have been a major mistake. I told them there was no way I could pay that amount or I would have done it already. They informed me that I should take out a loan. They asked me questions about home ownership and finances. I answered, but not to their satisfaction because I don't own a home, I had to sell it to keep it from being foreclosed on... I have no savings and my credit is crap after losing our business 2 years ago. They asked where I banked and how much money we make a month. I just spit out a figure... It wasn't a true amount. They got really rude and told me that they would not work with me, that if I didn't pay in full they would just take me to court and that I should just take out a loan and get it took care of.
I told them that no one would loan me money because of my finacial situation and she said I just can't help you. When you can pay call me back. There is just nothing I have to say to you... And then she hung up on me. I tried to call back but it was an endless loop of nothing and I couldn't get anyone. I don't have a clue where to turn first. Am I dealing with Love, Beal & Nixon or Capital One? How do I file an answer to the petition?
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