by daisy2005 » Wed Sep 16, 2009 10:35:27 PM
Hope someone can help me with this.I had to declare bankruptcy in March this year(2009), My husband was a authorized user on my Capital One card. When I filed the balance was 7300.00, now 6 months later it is 8300.00 with interest up to 26 percent. I have asked 6 times for the contract he signed and am being ignored. He never signed. When I called 3 years ago and asked them to remove his name from the card they said no with no explanation? It has now gone to collection and today received a letter act now or risk legal action. I have now written capital one and asked to be only contacted by phone as the calls are every day.I read about the debt validation procedure and will send that off. What happens if they take us to court? Or will they, my husband will loose his job tomorrow ,and I am not working right now.He has no assets we rent, and the car is in my name. I am getting nervous by the day, I want them to send us the copy he signed, this was opened in 2002. Any help would greatly be appreciated. Thanks