I found out from the court (after the fact) that I could have requested a change of venue to a court in my area. Capital one used the court in their area. The court granted the full amount that they requested - most are finance chages, late fees, etc. They are planning on garnishing if I don't pay the $300 payments. But, am I seeing an attorney next week to try and reduce the payments, hopefully he can help. Roxette made a good point, I do need to budget more carefully and I am working on that. My husband and I are building a house which should be finished in Nov. My house payment will be almost twice of what my rent is, so this really happened at a bad time. I really should have tried to work out a payment plan before court. Thanks, Mikey, for the info. glad I won't lose the points until I get signed up!!