I have been contacted by this company CIR Law Offices in behave of Capital One. According to this company (CIR) they claim that they have the permission of Capital One to go after me and collect a debt that Capital One wrote off as a Charge off many years ago.
I have been contacted by a Mr. Isaac Foster who boldly stated that his law offices can do whatever they want including: Destroy my credit (which they did) take me to court without my knowledge and file a judgment against me, attach to my bank account any monies that they are owed and garnish my pay check to take their monies.
I have been receiving phone calls from this company every 3-4 days threatening and harassing me even though I told them I know my rights and I am not going to reinstate any debt that they say I owe them. I also told them that this was usury which was against the law when Al Capone did it back in the '30's and it should still be against the law now. I went on to tell them that that is why Obama in 2010 has changed the way the credit card companies are allowed to attack people.
If they didn't use usury in the first place it wouldn't take people 20 or 30 years to pay off a debt. Once these credit card companies get their hands in your pocket they never get out of it.
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