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Greetings, I received a Summons and Complaint from an Attorney here in Seattle for a credit card debt owed to Capital One. The attorney gave the standard "this is an attempt to collect a debt" in the Complaint. In addition, they didn't even provide our complete account number. My question is this. I have prepared our four legal docs to send back to them certified mail (I've done my homework on this one). However, since there is no Case number, do I need to go the the County Court to file the docs?

I also have a great deal of debt on 6 cards (3 companies), and I have been reading the posts to figure out debt settlement. What happens if you can only put away $1000 a month toward settlement? It sounds like many have the cash to settle after 180 days. We live in Michigan. I lost my job 4 years ago, and have only been able to find part time work. My husband was off work with an injury and had to take a large paycut in the past few years. We depleated all savings in the past 3 years, and our equity in our house has dropped $125000, so we now owe what it is worth. Definitely insolvent.

so my ex and i had a business that we sunk every single penny into, and also borrowed against a home i co-own (although not on paper). the company that we were using for shipping our product didn't like that we were reselling their products (they said nothing about reselling on their site) and stopped business with us, taking every penny we had with them. we sued them for this, and they counter sued claiming fraud. so the judge railroaded us, didn't understand a single thing about our biz and sided with the defendants, and giving us a 97k judgment on top of it.

Question: what can a collection agency do if you don't have any money