I sent via certified mail a request for verification of the amount etc. to this law office that claims to be Capital One's attorney. Which is odd too. Why would Capital One credit card have an attorney in BeeBe Arkansas? They say I owe 1384.69. I think this law firm buys up debt on people who live in Arkansas.
My credit report printed on Nov. 8, 2008 shows the account closed since 2/2/08. The last payment on my credit report is 7/2007.
The lawyer sent me a copy of a payment dated Sep. 6 2006. The balance shows 487.32 and a copy of a bill dated 12/31/07 showing 6 months past due and the balance is 1026.80.
In with the above was a Consent Judgment - pay out schedule of 40.00 a month. Plus 6% per annum interest until paid. The "affidavit" shows per Capital One I owe 1264.83 as of 8/10/08 plus interest of 27.10%. But again I show on my credit report the account is closed.
In all the research I've done on the Internet it looks like I need to file a Sworn Denial and then file discovery.
Any thoughts on what I should do next are welcome.

