My bank account was just recently restraint due to a debt that I owed to a Capital One credit card. Prior to this happening I did receive phones calls about the matter but always told them that I was not in a situation to make any payments due to me already getting garnished for my student loans. But they still insisted on calling me which was OK with me. Both my checking and savings accounts were hit with a charge of $4000 each. I then call Ms. Wood who's handling my account. I tried to get the full payoff amount that I owed but the only answer I get is " well I have to get that information from the Sheriffs dept and I will call you back." After at least 10 phone calls I'm still yet to hear an answer and every time I try calling back I get the same thing about waiting for the sheriff.
Today is the 3rd day since all of this has happened. And Im feeling very stressed out and ready to do something that I really shouldn't even be thinking about, but Im sure I'll manage. They told me that I was served a summons on which I was not even aware of that took place sometime back in March.
At this point Im thinking to myself, shouldn't that letter have been directly handed to me? I then tried contacting Capital One but of course they want no parts. The only piece of valuable info was the address they have on file which is an old address I use to have almost two years ago. This seems funny because I never got any piece of mail from Forster & Garbus. Even now I told Ms. Woods that Im ready to settle thanks to my dad who was going to loan me $800 so I can put down but was denied by Ms Woods telling me that they only can accept the full amount in which they do not know because their supposedly waiting for the sheriff to get back to them.
If there's any one out their that can help or send me to the right place for help it will be greatly appreciated. At this point Im willing to do whatever it takes to get my life back together.
Jack
Niagara Falls, New York
U.S.A.
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