I was hoping someone can help me on this one. I had a Capital One CC that I lost a handle of due to losing my job and stopped paying about a year ago on my maxed out balance of around $1500. I opened this card online while living in AZ. I received a letter from Gurstel Staloch & Chargo a few months back that had been forwarded to me from AZ to my new residence of NJ, stating that Capital One retained them to collect this debt against me. The amount they claim is about $800 higher then last that I knew owed. The letter is dated from over 6 months ago and I have not responded. The person now residing where I used to live in AZ said a guy came to the door asking for me to serve me a summons. I can only imagine it would be for this. These are my questions:
1. I am able to make partial payments now to pay off the debt, but is it too late? Should I make payments to the CC or CA?
2.Since now I am living in NJ will the summons ever get to me since the person serving the summons does not know where I live? Should i call A court Clerk from the jurisdiction of where I used to live?
3. If I do get the summons, would I actually have to fly to AZ from NJ for filing the summons and court cases?
4. If I never get the summons would they claim they could not locate me and have a judgement against me or garnish my wages without me knowing?
What are my best options with this situation? I'd like to just pay off my debt of $1600 in partial payments without the CA interest fees and court costs!
Thanks so much for your time and suggestions!
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CA trying to issue me summons but I moved
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CA trying to issue me summons but I moved
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