[pc86]

I believe you, but I stand by my previous point that paying the amount due on or before the due date would have never resulted in a lawsuit, especially from a firm like Capital One. Assuming it's a credit card (ca. 2010-2012) there would have been a slew of internet notifications not to mention the mailings if you were past due. I charged off a Citi card in 2009/2010 and can say from experience I had ample opportunity to make it right, I just didn't have the funds and negotiating a charge off with Citi directly resulted in the quickest end at the cost of a big credit hit and being unlikely to ever get credit from Citi ever again.

Edit: And this is a point that you've ignored in this entire thread, which leads me to believe you were paying below the minimum payment on a credit card. This is an excellent way to get an account sent to collections and not have liquid cash available to actually pay it off. The worst of both worlds.