Does Discover Card sue for bad debt?

Answer

Most time's it's not Discover that will persue the debt. It's a agency they have sold the account to. It's often a different party that comes after you. Once you've told the persuing company to not call you, by law they can't call back.

Yes.

Capital One and Discover both have "inside house" collectors and collection attorney firms on contract.

It is not unusual for either one to file a lawsuit regardless of the amount owed, especially if the debtor is employed.

The firm they generally use is Mann-Bracken, a law firm that is licensed to arbitrate under UCC laws.

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