Capital One Bank
Anything is possible. Know that Cap1 keeps excellent records an
Anything is possible. Know that Cap1 keeps excellent records and will be able to produce every piece of paper you ever signed if it comes down to it.
Thanks
Since he incurred this debt before we were married they can only go after him right?
Submitted by chilipeppershake61 on Fri, 08/22/2008 - 11:46
Debts incurred before marraige should not effect the spouse, but
Debts incurred before marraige should not effect the spouse, but if they are awarded a judgement, they may be able to go after your bank account. What state do you live in? When was the last payment to Cap1?
capital one bank
I live in California and I don't know that he ever made a payment? They are offering a settlement and I'm hoping they follow through and dismiss the case with the courts. My husband is not listed on my bank account.
Submitted by chilipeppershake61 on Fri, 08/22/2008 - 12:21
Pull his credit reports www.annualcreditreport.com and see how t
Pull his credit reports www.annualcreditreport.com and see how this is reporting. SOL in CA is 4 years from date of last payment. Is it Cap1 that is contacting you or a 3rd party debt collector?
capital one bank
It's a lawyer with a credit bureau in San Diego. I looked him up with the California Bar and he is indeed a lawyer. This lawyer is named on the summons. Thanks I will look him up on annual credit report.com and I think it was an credit card offer he got over the phone. He says he never really signed anything?
Submitted by chilipeppershake61 on Fri, 08/22/2008 - 12:32
That's not going to fly as a defense. If he used the card, that
That's not going to fly as a defense. If he used the card, that is acceptance of the terms. Check and see how Cap1 is reporting. If they show a $0 balance and "sold/Transferred", then you are dealing with a junk debt buyer.
capital one bank
Oh he knows he has to pay, I just hope once he sets up an agreement that they dismiss the case and not go through the courts. And I want to make sure they don't go after my bank account especially because it's not my debt. So as long as he's never been named on my bank account am I OK?
Submitted by chilipeppershake61 on Fri, 08/22/2008 - 12:40