Capital One Bank Lawsuits


Capital One Bank is a national bank that issues credit cards and other loans to Pennsylvania consumers. It also sues thousands of people each year in Pennsylvania for past-due debt. You may be able to win Capital One lawsuits, or you may be able to settle them before a judgment is entered against you.

BCJ Law charges flat fees to defend consumers sued by Capital One Bank. If we don’t get you a favorable result, you won’t owe us attorneys’ fee for our debt defense service. To see if our debt defense attorney can help you, complete our contact form or call 1-800-997-5561.

Why Is Capital One Bank Suing Me?

You may be able to win Capital One lawsuits, or ... settle them before a judgment is entered against you."

Capital One Bank is suing you because it thinks you owe on a debt, likely a past-due credit card account. Most consumers are surprised when they get sued by a credit card company, like Capital One.

Some consumers think they don’t owe the debt because their account was “charged-off.” A charge-off, however, is simply an accounting procedure. It does not mean a debt is no longer owed. Other consumers are surprised about lawsuits because their accounts are so old. 

Why Is A Debt Buyer Suing Me For A Capital One Credit Card?

Capital One Bank often sells consumer debt to debt buyers, like Midland FundingPortfolio Recovery AssociatesLVNV Funding LLC, and Cavalry SPV I LLC. “Debt buyers” generally purchase old consumer debt for pennies on the dollar, then try to collect that debt in full for profit. To learn about debt buyers generally read this post: What is a debt buyer?

BCJ Law has a very high success rate against debt buyers, as they usually don’t have the evidence or witnesses required to win debt collection lawsuits in Pennsylvania. If you’re getting sued by a debt buyer on a Capital One Bank credit card, complete our contact form or call BCJ Law’s debt defense attorney at 1-800-997-5561.

Can I Win If I Get Sued By Capital One Bank?

You may be able to win a Capital One Bank lawsuit if it doesn’t have the evidence to prove its case. In Pennsylvania, credit card companies need the following evidence to get a judgment in court:

  • Contracts: these documents are necessary to prove the interest fees, and terms agreed to by the parties.
  • Account Statements: these documents are necessary to prove the purchases, interest, fees, charges, debits, credits, and other amounts that make up the debt at issue.
  • Witnesses: witnesses are required to authenticate the contracts and account statements,and testify how these documents apply to the account and debt at issue.

If Capital One doesn’t bring the documents or witnesses it needs, you should win and they should lose. BCJ Law has won lawsuits filed by Capital One Bank because they failed to provide the proper documentation.

What Are My Chances Of Winning A Capital One Bank Lawsuit?

To gauge your chance of success in a particular case, we evaluate numerous factors, including but not limited to:

  • The amount at issue.
  • The type of account at issue.
  • The attorneys representing Capital One (usually Ratchford Law Group).
  • The court in which your case is pending.
  • The county in which your case is pending.

To see your chance of success, call us today at 1-800-997-5561. You also can complete our contact form to get a free case evaluation.

What Kind Of Capital One Bank Lawsuits Do You Defend?

We defend many types of Capital One Bank lawsuits, including magistrate court collection lawsuitscourt of common pleas collection lawsuitscredit card lawsuitsrepossession lawsuits, and other types of debt collection lawsuits.

Most of our debt defense work is focused in Western Pennsylvania, including the following counties: Allegheny (Pittsburgh), Armstrong (Kittanning) Beaver (Beaver), Butler (Butler), Cambria (Ebensberg), Erie (Erie), Fayette (Uniontown) Westmoreland (Greensburg), and Washington (Washington). We also accept work outside Western Pennsylvania if we are able.

How Can You Help If I'm Getting Sued By Capital One Bank?

We can help if you’re getting sued by Capital One Bank either by defending your case to win outright or with settlement in mind. Creditor lawsuits often are more difficult to win than other types of debt collection lawsuits. That said, there are circumstances in which we can win creditor lawsuits outright, and we have won Capital One Bank lawsuits.

Most times, you won’t have to attend any court hearings and we will do most of the work. In fact, most of our clients don’t have to leave their home for us to represent them. To learn more about our services, visit our debt defense page.

You Have Rights, Even If Capital One Bank Is Suing You.

Even if Capital One Bank is suing you, you still have legal rights. For instance, Capital One can’t sue you for a time-barred debt. It also can’t harass you over the phone. Furthermore, Capital One is prohibited from making false or deceptive statements in letters it may send you.

To learn more about dealing with creditors and the debt collectors or debt collection attorneys they hire, visit our dealing with debt collectors page. To learn about your debt collection rights and see how we can help if your rights were violated, visit our debt collection harassment page.

Hire BCJ Law To Win!

If you’re getting sued by Capital One Bank for credit card debt, for personal loan debt, for auto loan debt, or for some other type of consumer debt, please contact us. 

BCJ Law charges flat fees for our debt defense service. Most importantly, we don’t get paid unless we get you a favorable result. Please fill out our contact form or call us at 1-800-997-5561 to see if our debt defense attorney can help you.

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