I owe Capital One Bank credit card principal amount $732.01. The collection agency is Hayt, Hayt & Landau in Miami, FL. I pay the same amt every month never missing a payment. Sometimes I may be late, but never, ever missed a month. Now they sent me a Final Judgement that I defaulted on my payments & want me to pay attorneys fees of $450.00 plus interest in the amt of $1,266.29, & post-stipulation attorneys fees of $300. with 8% interest! I have copies of all the cancelled "CASHED CHECKS" How can they claim I am in default when I never missed a payment?? I call it "legal" extortion!!!