My question involves collection proceedings in the State of: GA
Hi, I live in Georgia. I've found myself to be in a dilemma. I was summoned on 9/22/10 for Capital One and states an attorney office that is representing Capital One. So what I've done as of now which I think may have been a mistake is contacted the attorney office and called myself trying to stop anything from going to court and make an agreement to get them to not pursue with lawsuit. So I agreed over the phone to a down payment amount and then a certain amount every month after until all paid. So what do I do but make the down payment over the phone with my debit card. Then they just sent me a consent judgment stating what the payment plan I agreed to over the phone and other that they failed to tell me about over the phone that I don't agree with and thank God at least I haven't signed it and sent it back. I feel like a lot of damage may have been done already because they got a down payment out of me. I still see that I have days left to file an answer, but I'm now trying to see if I ruined anything since they got a payment out of me, but still they have nothing in writing signed by me. I feel I really have been tricked by them in getting me to pay something to them before the 30 day period was up from when summoned thinking the lawsuit would be dropped against me. The more I think about it, they are the 3rd party and not Capital One and I now feel I shouldn't have to pay them anything. I just need some sound advise.
If anyone have some kind of advise, I am willing to take it in.
Thank you!

