I was enrolled with you all some time ago. I pulled out of the program as I was unable to keep up with payments and paid off some creditors on my own. I still owe at least 10K in debt. I am thinking about enrolling with you all again. One of my creditors(Capital One) just filed a lawsuit against me today. In your experience how does this normally work and any advice? 


As for my other debt, they are already charged off. What can I do now so this does not happen to me again?



Stephanie Riojas