I had a Capital One credit card. I used it and made my payments, until like two years ago. Due to a MAJOR personal set back I could no longer make my payments.
After Capital One called several times with no response from me, they turned it over to NCO Financial Systems. NCO had repeatedly called, again, with no response from me.
I know that I'm in the wrong, I know that I owe the money, however I just got served with papers where they are taking me to court. I'm going to scrounge the money up somehow to pay this debt off, but am scared to death to call Capital One or NCO to let them know that I will pay the debt but can't do it until the second week in April.
What do I do? This has never happened to me before, I'm literally scared to death of what will happen. The court summons says to respond within 10 days of being served and if I don't respond then the court will take it that I do not contest the debt and will be ordered to pay. PLEASE PLEASE if anyone has any suggestions I'd love to hear from them. Thanks
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