Legal Question in Credit and Debt Law in California

It sounds as if Capital One sued you, obtained a judgment which probably included attorneys fees, costs and accrued interest. Post-judgment, Capital One is allowed to continue to accrue interest and may continue to collect from you not just that interest, but any additional costs of collection they incur. I would ask them for an accounting of the amount of the original judgment, all payments you made, all fees, costs and interest that have been added post-judgment. Then, figure out a way to pay the remaining balance. Also, be sure that the amounts they have added post-judgment are legitimate before agreeing to pay it off. Otherwise, enter into a payment plan or ask them to settle for some specific dollar amount you can afford to pay now.

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