Re: Capital One Claim for Annual Fees and Late Fees, in Illinois
There might have been some procedure in the contract that needed to be followed to "officially" cancel the card which wasn't. However; if you have taken no action on this card for quite some time (ie made no payment), the SOL on the debt might be elapsed. Be sure you show up in court or they will get a default judgment against you. If the SOL for collection of the debt has expired, you can use that as your defense when you go to court.
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