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Getting Letters from local Lawyers

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      I have been getting letters all the sudden from lawyers.   I haven't been served yet and just need to know if I will be served.  I even looked between the storm door and the front door.  looking on line it says I my only have 14 days to respond.   And to top everything off I worked for Younker's (Bon-Ton Corp) and my last day (8-29-18) I got my first letter from a lawyer. 

what can I do?  I know I owe, and Capitol One wrote this off a couple years ago.  I did set up payments with Portfolio about a year and a half ago on auto payment the wanted $40.00 a month and I set it up for every 2 weeks   they took one payment and that was it.   

I'm tired of them calling extended family and I think they have put a lean on my parents home.  I just lost my job and starting a new one (big pay cut) and only PT.

 

thank you for any advice

 

JT


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