I have a charged-off account with Capital One. My last payment was made in September 2008. Because of my card member agreement, Capital One is governed by the Virginia SOL (which is 3 years). So, I should be clear of the SOL by just a month. I know that Cap1 can still sue and I need to go to court if they do. The SOL should give me protection in the courtroom but I am worried about them filing a lawsuit, me not finding out about it, and getting a judgement placed b/c I didn't show up at court. I have moved a few times around UT and CA. So, other people that have been sued (esp by Cap 1), how were you notified of the lawsuit? Was it always by the Sheriff or has anyone ever received notice through the mail or a local newspaper? I appreciate any and all help. Thank You.