I had a credit card from Capital One with a $500.00 balance from 5 years ago, well I paid it, on time, every month, then one day I recieved a statement that my payment was late and I owed an extra $50.00 for being late, so I called to let them know that it was not late and I had the account info to prove it the lady said my info was wrong and I had to pay it or it would be considered non-payment and forwarded to a collection agency for the full amount of $500.00, well I got mad and hung up.5 years later I start recieving these rude and nasty phone calls from the office of Rubin & Rothman and by now I dont even realize what they are collecting for.First I recieve a summons but it dont say where to go, it said to pay the full amount, but I cant because I have kids to take care of and bills to pay.Two weeks later I go to my bank to make a deposit and notice that it is frozen, now 8 checks that I wrote all bounce and I owe a small fortune in fees and they took all of what money I had out of my account, so I call them to see how I can get my account unfrozen and the woman is very rude to me and the worker at the bank, well I have been paying 10% and I missed one payment because of Christmas so now they are Garnishing my wages, anyway I called to get the amount that I owe and it is over $500 still, that means I have paid triple of what I owed.How can they get away with that?The rudeness, the rip-offs, I work my butt off and think that people like this have no right to do these kind of things to hurt me and my family for $500.00, it doesn't seem right and because they are attorneys they know how to stick it to people and get away with it.