I reside in California and have an old charge-off from 2005. Just as I had settled the debt in full, I found out Capital One's collection attorney, Brachfeld & Associates had filed a Summons & Complaint. I receved written confirmation from Brachfeld & Assoc that the debt is considered paid and I have no further obligation, however I was still served the legal docs. I have faxed Brachfeld & Associate's office a letter, as well as left several messages relating to this matter, they will not talk to me about it. Since the debt is paid they just need to file a Request for Dismissal. I suppose I can file an Answer with my payoff letter as an exhibit, but I don't have the $320 to file the answer and don't qualify for a fee-waiver. I would just show up at court on the hearing date but one has not yet been established. Any advice?