I was not properly served and only found out when my bank send me a collection letter for a negative balance of $100 something or whatever.
What happen was Capital One filed a claim against me and won and they put a levy on my bank account which I had no funds in there, maybe 200 bucks.
I do not know how much they try to take out but this happened around Dec of last year when I found out.
From my credit report I see that Capital One won a civil judgment against me in the amount of $7xx.
My bank accounts are closed because I am afraid of the levy. I suspect my wages will be garnished if they found out I'm working again. I recently opened a new bank account and making deposits into it with no problem.
What should I do now ? I am from New York City. I want to fix at the lowest cost and get this off my credit report / and not to have a levy placed on my account.
How much do I really have to pay now ? 863 or a settlement or is it 863+ all other costs + interest ?
CIVIL COURT OF THE CITY Docket# xxxxx
141 LIVINGSTON ST
BROOKLYN , NY 11201
CAPITAL ONE BANK USA N
Estimated date that this item will be removed: 09/2015
What should I do ? , What would you do ? What's the best to do for a consumer that does not have much funds.
Thank you all, I appreciate it.