Capital One appointed a debt collection firm to try and collect my debt on my credit card (which I was just about to start paying on again) and served my mother, in another state, my summons to appear in small claims court.
Funny though, since my contract specifically states in their arbitration clause that neither I nor Capital One can sue each other. I bet they are expecting me to simply be another push-over who does not know his rights; someone who will settle in court like an idiot.
Filing a motion to invoke arbitration with the courthouse ASAP, only after figuring out if my case can be dropped in Illinois and moved to Wisconsin where I have lived for almost a year now (I have not lived in my parents house, which the address still on the Cap1 account for 4 years now).
If that decision is made to drop the Illinois case since I no longer live there, and they have no jurisdiction in Wisconsin, they will end up having to re-file for a case in Wisconsin, which would give me time enough to send the prosecution a letter to invoke arbitration before they have a chance to file another court case against me in WI. Either way, this shit is staying out of court, and in my own private terms.
Capital One probably won't even persue me at that point, considering that they would have to shell out nearly $1700 in order to start the arbitration process, only $300 shy of the amount they are asking for. [mind you, this was a credit card with a $750 limit]
Either way, I plan on paying my damned card. Stupid me for getting a card when I was 18, then losing my job, but stupid them for trying to sue me when they legally can't.