I just received a pre legal notification letter today dated 6/11/18 via UPS on my Capital One Bank acct that was last paid on 7/10/2017. Per letter, Date of Default is 10/6/2017 for almost $5700 owed.
I need help on how to deal with this. This is my first time and read some of the topics related to this and so much information that I am lost where to begin. Hubby still unemployed and with 1 Income with 2 children to feed.
Do I need to send them a letter of dispute first? I checked the credit card agreement and no arbitration was found/mentioned.
Your help is very much appreciated.
Thank you.