I did not know that. So for employment do I put employed? It asks "are you a US citizen?" And i put no. She just filed for her green card this week. She was on a student visa before. Maybe Mendelssohn and/or Konrad can shed some light.
First: HSBC sold their entire credit card portfolio (bad debt and all) to Cap1 in 2011. Your account likely would have been included so if any entity was pursuing this now it would be Cap1 NOT HSBC.
Second: If you haven't been to arbitration with them they cannot send ANYTHING to a judge for forcible recovery. If you had arbitrated with them then they could file in court to have it confirmed as a judgment but arbitrators do NOT issue judgments.
The entire bad script is designed to scare you into paying. Ignore it.
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