I just recently became aware that I am being sued by Capital One, in two separate cases, for two credit cards I have had with them. I spoke last year to a law firm in Houston, Texas which represented Capital One, but at the time I was unable to make any payments because I wasn't making enough money to even pay my rent and other bills, as I told them. I was out of work for almost four months of last year, additionally, and haven't been able to make payments on any of my credit cards until recently. Got into a mess with payday loans as well . . .