Well it all started back in 2004 and I received my first credit card from Bank of America. I kept paying on the card, did well... I got a few more credit card offers and should not have accepted... The offer was too tempting, so pretty soon I got an offer from Capital One. It had $1000.00 credit limit. I decided what the heck. I will only get it for a "just in case". Well I used it to purchase food because and other such items that I could not have paid for with my low weekly paycheck and other such goods that were already going to rent and utilities. I also helped pay for gas and what not for my roommate. Then my capital one credit card account was sent to collections, Suttel and Associates P.S. Attorneys at law? What the heck. So unfortunately, I couldn't pay the minimum payment because I had lost my job and even had to move in with my roommates parents and such. Of course, the bills followed me and kept on piling up. I was working but not nearly making enough to cover the minimum payment which had skyrocketed due to lack of a job. Now presently, I just have received a summons to appear in court because they want to sue me to garnish wages so they can recover the amount due to Capital One.
Also on my summons there is no Number on it. I do have 20 days to respond from today. Well Please if anyone has any advice please let me know what I should do.
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