Capital One Bank (USA) N.A. is a direct creditor that often files suit on defaulted credit card debt in the state of Texas. Often the will decide to file suit as Capital One Bank (USA) N.A. however it is also not uncommon for them to sell a debt to a third party debt buyer. Usually they sell smaller debts under $2,000.00 to debt buyers. Some of those debt buyers will file suit as well. This company is often called CapOne.

Capital One Bank (USA) N.A. is known to have the following contact information:

Capital One
Attn: General Correspondence
PO Box 30285
Salt Lake City, UT 84130-0285

(800) 955-7070


We can defend clients that Capital One Bank (USA) N.A. has filed a lawsuit against in Texas. We offer a flat fee structure with affordable monthly payments. Contact us today!


If you have been sued then you need to answer the lawsuit. Participants in the system often have a better outcome than those that do nothing. Some of the options that you have are to:

Attempt to Negotiate a settlement with Capital One before the answer is due. Many consumers recognize they may owe a debt and choose to attempt to settle the debt before an answer is due to the court. Capital One is often receptive to a quick settlement rather than spending more time and money in a lawsuit. Even if they can provide some of the documentation to the court, there is always a chance they could lose.

Answer the Lawsuit filed by Capital One. Even if a consumer thinks they owe a debt it is still up to Capital One to prove that they own the debt, have the right to file suit, and have enough documentation to prove a debt is owed. They may not be able to successfully produce all required documentation when challenged.

Do nothing. Many people decide to do nothing for lack of funds or fear of what can happen. Capital One may take a judgment against them and then ultimately have their bank accounts frozen (bank garnishment). Judgments in Texas are good for 10 years initially and they care a minimum interest. The amount of an unresolved judgment can significantly increase over time.

Seek bankruptcy protection. Our law firm does help clients file bankruptcy. If you are interested in seeing if bankruptcy is right for you visit our site Dallas Bankruptcy Attorney

The best time to take care of a lawsuit is NOW. It can potentially get more costly and worse. We offer competitive fees to handle this for you.