Hi, i've forfeited on paying my credit card for almost a year now. Surely the bank will send letter ask me to go to court but I've never received it since the address I used was the house that I rented two years ago.

Am I still applicable to receive help from them? For all I know, I haven't been 'served' by the bank yet (where they have to deliver letter asking me to go to court)

it's because they say that they will not entertain those whose bankcrupt or have court case pending. that is what i'm wondering...

so what is the smartest way to do this? go straight to their office? or call the helpline first?