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Collections Sued But I Didn’t Go to Hearing. What Now? – Sara

“Dear Steve,

Couldn’t pay full payments for 2 credit cards. They went to collections. Collections sued but I didnt go to hearing. They sent a form asking my bank account info and income information. What do I do now?

Sara”

I asked my friend Mike Killian to answer your question for you. I wanted to make sure you got an answer as quickly as possible as I’m a bit backed up at the moment. I’ll be watching the comments on this question and be around to help if you need me.

 

Dear Sara,

It is tragic that you did not attend the hearing as the worst that could have happen is exactly what is happening. But by appearing, you might have walked away from the whole thing. By not going to the hearing you defaulted and a legal judgment has been tendered. The requested information is probably court ordered and part of the notice of judgment. The forms are probably for the purposes of attaching a lien or having your wages garnished.

You have very few options. You can appeal the judgment. You can comply with the court ruling and supply the required information. Or you can try to make contact with the agencies and see if any arrangement can be made for repayment.

I certainly wish the news was better but it simply is not.

Good luck

Sincerely,

Mike

If you have a credit or debt question you’d like to ask just use the online form. We are happy to help you totally for free.

Collections Sued But I Didn’t Go to Hearing. What Now? - Sara by

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About Mike Killian

Mike Killian
Mike Killian is founder of Learning Credit and Debt Management. He has been writing and teaching about credit and debt management issues for over 12 years. His articles have been referenced by various members of the media, including MSNBC and The Motley Fool. Mike has also offered debt elimination seminars to businesses and community colleges for many years. He has an MS in counseling and is a nationally certified as a Personal Finance Counselor. Mike can be found at LearnCreditManagement.com/.
  • Deb

    I’ve heard the advice about the need to go to the hearing to avoid default judgement for the credit card company, but I am questioning this still.

    I did go to TWO meetings, have no assets, said I could not pay, was on unemployment, etc. and still the judge ruled for the plaintiff!

    So really, what good does it do to go to the meeting? It is a “done deal” before we set foot in the courtroom as far as I can see. And SO humiliating to state in person what you’ve already told them over and over.

    Help me understand this because now I am being sued by a second credit collector and am considering just skipping the hearing. I told them in the response letter that I had nothing to pay them with. There will be a judgement no matter what I say, so why go?

    • http://GetOutOfDebt.org Steve Rhode

      Deb,

      Well 90% of collection suits are won because people never show. And you are right, showing is some what of a moot point if your defense is that you did incur the debt, it is a valid debt and you can’t pay. I guess my real concern here is that you are being sued again. You need to stop this as soon as you can with bankruptcy. Just letting yourself get sued is not the ultimate solution. I realize you are just on unemployment but you can check to see if free or low cost assistance is available in your area by clicking here.

      Keep me posted.

      Big hug.

      Steve

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