I'm being sued for a credit card debt. I closed this particular account originally with Capital One at lease 7 years ago. Unfortunately I have none of the original paperwork. I've learned since then I should have gotten a written confirmation from Capital One that I closed the account. I closed the account specifically because they continually applied my payments late usually the day after it was due. I paid the account off and told them to close the account. Again about 3 times they continued to try to bill me for late fees. The last payment I sent about 2 months ahead of their due date, and again they tried to hit me for late fees. Since then I assumed the account was closed until I was served in February with a lawsuit from Stillman Law Office representing North Star Capital Acquisitions LLC. I have filed my answer to the court withing the 28 days they told me I had disputing the debt. I don't know what I'm facing now. I don't have $2300 to pay off what was about a $350 debt originally.