I bet you could clear the debt and have plenty change left over. :redface:

I had a similair story just happen
I went to get a payday loan for like 500 dollars
i continually paid the intrest but not the loan amount well i then hit somehard times and was unable to pay the loan the company then said that they would garnish my wages. Well i work for a state senator here in illinois when he saw this was happening he reminded or record keepers that he had just passed a law that was grandfathered in saying that these short term loan places
could only charge you so much interest once you had paid the loan off in
the interest (that includes the price of the original loan plus the first 2 times of intrest) you were no longer in debt since i paid them 250 a month for like 6 months i had more than paid the amount so my lovely boss/ state senator
is suing them on my behalf to regain the lost money

So the moral of this story is if you can't be a politician work for one

...maybe cut back on the ether?

What did you tell/ask snitty Mandy?

Although you do have a lovely butt, don't worry about this hassle. The credit companies play their percentages and lose sometimes. Seriously, the courts don't throw people out of home over this stuff. I know people in this situation that just moved forward with their careers, even thru personal bankruptcy.

Focus, take it to the next level, Brianna, get your Master's degree and don't look back.

You might like being the master instead of the slave. :borg:

Master, slave, whatever, it's all fine. I appreciate the Good Vibes and am going to do just that: go on my merry way. I will answer them in the 28 days they gave me to answer and if they want to see me in front of a judge--ok. It's all gist for the mill when I write my own Million Little Pieces and become an insufferable millionaire. Except my stuff will be verifiable RE: all the times I've been to court lately. I'll just keep living in my own private Idaho and be happy!

PS--I told snitty Mandy that I had no income and no property but this does not dissuade Capital One! Oh, no! I fear they may ask for some decision involving a pound off my aforementioned butt. And I am going to see if my University can help--they do offer Legal Services to students.

OH, yeah! after I had my snitty exchange with Mandy, she told me to "have a nice day." Why do they do this? Why do people who are messing with you insist you have a nice day? Like the cop who has just given you a ticket or similar? WTF?

Capital One? Looks like they found another job for the vikings. Mandy's last name must be Sigridsdottir.

Along with everyone else don't ignore it. I know here in Texas they will put a default judgement, then you are thouroughly screwed and your credit is shot to hell. I just had to go to the court and submit a letter stating what my intentions were on the debt. The clerk said that it was all they need,and the lawer couldn't ask for a default judgement cause I responded. Called the original company worked out a deal, called lawyer told him to confirm, and we are a done deal. So don't ignore it, and follow thru with whatever you work out. Cap One would love to at least get some money from you so they usually will deal.

Can they still garnish wages?

edit: oh, n/m -- I guess they still can do this. :mad:

I've no wages to garnish. I've NO INCOME. I don't see how they'll get blood from me as I don't bloody have any.

What are you living on?

I would still tell them your situation and when you think you might be able to pay them.

I live on savings and I pay no mortgage.

Are your savings more than what you owe them?

I know you want to use your savings to cover the costs of living, but they want you to use your savings to pay off your debt to them.

My money and my house are hidden. They are under my sister's name.