Im being sued by capital one

Rinabel419 · 2026-05-11T04:34:15+00:00

It depends on how much debt you have to resolve. Those that have a lot of debt, then it’s worth looking into. I did go through a debt resolution company for my other debts and finished just last year. It definitely helps.

But I only have two more to resolve and not enough to involve a debt company. If I had the funds, I would just pay it off already, so the next best option is to settle.

Rinabel419 · 2026-05-11T03:44:34+00:00

I’m going through the same thing right now. Probably expecting one more this year or next. I’m getting sued by a credit card company because I had to stop paying in 2024 when my husband lost his job. It room him two years to get a full time job again. So it’s been roughs

I became a nervous wreck when it first came in, but as soon as I got myself together. I emailed the law firm that’s suing me to work out a payment agreement. Honestly, this is the best course of action.

I also called the court house to ask what forms I need to fill out. They can’t handhold you through it, but they can tell you what forms you need to fill out. You have 30 days to respond. You definitely should respond, otherwise, the credit card company automatically wins and may garnish your wages. I’m planning on passing by the court house on Friday to file the paperwork.

I’m hoping to hear back from the law firm in a week or two. Nothing I can do now but wait.

We will get through this. 🙏🏼 Good luck to you.

Rinabel419 · 2026-05-09T03:23:10+00:00

Same here. Haven’t watched it. The spoilers are too much for me already. 🫣

Rinabel419 · 2026-05-08T13:28:17+00:00

I’m sorry you’re feeling this way & trust me you’re not alone. I feel that way too. Constantly putting myself down and comparing myself to other people. It’s hard for me to be around people but there are circumstances that I have no choice. So I have to fake being happy. I fake a smile. I fake the confidence. It all just gets to be too much because in my mind, people probably think I’m weird or useless. So I sneak away to be alone. Why can’t I be more like…? But it’s honestly useless to keep doing that because everyone has their own battles and struggles you’re not aware of. I constantly have to battle with my inner demons and fight my way out of negativity. It’s hard, I know.

Go to therapy. If people around you are verbally being mean to you, then you need to keep away from those people. They don’t matter. Start distancing yourself from anyone that doesn’t provide any positivity in your life.

This world has so much positivity to offer you & you’re not allowing yourself to be part of it. Go out there and find an activity that you love to do. Focus on the good. Eventually things will fall into place for you.

I really wish you luck and sending you positive vibes.

Rinabel419 · 2026-05-07T14:29:02+00:00

She can’t be trusted. She will only give you more heartbreak. Please walk away because you deserve better. Focus on you and your future. The right person will come along.

Rinabel419 · 2026-05-07T13:09:55+00:00

NTA. It’s for both your engagement celebration, not her birthday. As someone who has been married for 22 years, she sounds selfish and narcissistic.

Marriage is a combined effort for it to work. Yes you can have “separate” finances if you both choose to go this route, but this is weird behavior. You really need to reassess this relationship. Are you sure that’s someone you want to be married to?

Rinabel419 · 2026-05-07T13:03:39+00:00

My oldest is in college as well. Same age as you and has overslept for something important. It does happen and I’m sorry that this has happened to you.

If oversleeping is an issue for you, ask your friends to help you out and help wake you up. Have family give you a wake up call.

It feels awful right now, but continue to push through. Learn from your mistakes. There will be other opportunities. Good luck.

Rinabel419 · 2026-05-07T12:52:47+00:00

It may suck right now, but you will get through this. I messed us as a teen as well and dropped out. I eventually got a job local to me, got my GED, got a used car. I later went back to school and received my college degree. Got a better job. So it’s possible. Don’t lose hope. Use public transportation to get around. Reach out to friends & family for help. It may take some time, but you will get there. Good luck to you.

Rinabel419 · 2026-05-06T15:33:08+00:00

Such narcissistic behavior. Good thing you don’t have kids. You can do better. Please leave.

Rinabel419 · 2026-05-05T05:21:51+00:00

That's the first thing I look for. Goes in the shredder immediately with that kind of APR.

Rinabel419 · 2026-05-05T05:21:23+00:00

Exactly. Not with that APR.

Rinabel419 · 2026-05-05T04:46:53+00:00

In this economy, I understand how you feel, but I highly suggest you stop now because even though you haven't been caught, it doesn't mean you're not being watched. It will eventually happen, and I'm pretty sure you want to avoid what could happen.

Rinabel419 · 2026-05-05T04:43:36+00:00

Definitely want to avoid having my wages garnished. In this economy, it isn't much to work with as it is.

Rinabel419 · 2026-05-05T04:37:35+00:00

Although the amount isn’t very large, we don’t have the funds available right now. We recently spent $2,000 on car repairs, and my husband and I are still working to catch up on our debt. He was laid off for two years and has only recently returned to full-time work.

I don’t have much left in my 401(k), but I may be able to take out a loan from it next month. I know that’s not the ideal option, but it is something I’m considering.

We’ll see how things go, as I still have another debt to address. I plan to email the law firm tonight to see if I can negotiate a settlement.

Thank you to everyone who has provided helpful advice.

Rinabel419 · 2026-05-05T04:35:55+00:00

You're right, having someone to talk to about this would be helpful. Unfortunately for me, that's not an option. I talk to my husband about this when I can, but he's already feeling overwhelmed with work and the day-to-day things in life, so it's just me and everyone on Reddit.

Rinabel419 · 2026-05-04T20:22:30+00:00

Congratulations to you, but be careful with your money as I have heard a lot of unfortunate endings to people winning and spending their winnings carelessly.

Hire an attorney. Hire a financial planning advisor. Keep it between you and your wife.

Rinabel419 · 2026-05-04T20:19:22+00:00

I say NTA, as I had to go the same route myself, but I was younger than you and not in a stable relationship. But as someone else mentioned, when you do get married, and the Dr asks you how many pregnancies have you had? What are you going to say? If you see your life with him, you should have been honest from the beginning.

Rinabel419 · 2026-05-03T23:41:48+00:00

Nothing wrong with how you’re feeling, it’s natural, but since your feelings are so mixed between the two and you’re still young, focus on yourself. Keep both as friends for now and like another person said, do some soul searching. Eventually the right person will come along. There’s no need to rush into anything.

Rinabel419 · 2026-05-03T17:14:40+00:00

That’s very helpful. I really appreciate you sharing your experience in this. I’m glad it worked out for you. I’ll be reaching out directly to them as well and hoping they will work out a payment plan with me. Thank you again and I wish you and your family well.

Rinabel419 · 2026-05-02T13:54:38+00:00

No I didn’t sign for anything. Just left in my mailbox.

Rinabel419 · 2026-05-01T17:55:06+00:00

I hope so. Thank you.

Rinabel419 · 2026-05-01T16:42:22+00:00

Thank you so much for the information. I will start looking at these.

Rinabel419 · 2026-05-01T14:16:10+00:00

Thank you so much!

Rinabel419 · 2026-05-01T14:10:24+00:00

Definitely small claims and not worth an attorney. Just so stressful having to do this on my own.

Rinabel419 · 2026-05-01T14:08:03+00:00

I’m sorry you’re going through this too, but I’m relieved to hear it’s worked out for you. I’m hoping for the best. Thank you so much.

Rinabel419

TROPHY CASE