I lived in MA until 18 months ago. While there, I had a Capital One credit card, which I didn't pay off. I have received a RI district court symmons from Capital One (went to a family members house). I myself am no longer in the country, I now live in the UK. I am not disputing I owe the money, but I have no idea what I should do. I'd like to be able to contact them and basically say sorry! Didn't pay, got no money, can I work something out? Not sure what they want me to do.