I Got a Court Summons for Credit Card Debt. What Do I Do? – Denise

Denise wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.

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“Dear Steve,

Have about $50,000.00 of credit card debt.

Have received a court summons for credit card debt. How do I reply?

Denise”

The Answer:

 

Dear Denise,

If you got a summons then one or more of your creditors is suing you. You can always hire a local lawyer to give you legal advice or you can follow the instructions on the summons and provide any information they are requesting.

Go to the court date and appear before the judge for your suit. This will be your best opportunity to explain your situation but don’t assume that the judge will rule in your favor. If you are not paying your bills then the creditor will probably win the lawsuit as a course of law. You promised to pay, but you’re not. But, you never know.

Big Hug!

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  • Jason Tragni

    Also the law firm that sent me the summons has had 35 complaints in the past ten years and is sceduled to have to appear in federal supreme court about illegal practices and illegal garnishment of social security and workers compansation.

  • Jason Tragni

    I was sent summons and didn’t respond to it, Was never given a court date. Now I have a judgement against me and they are garnishing my wages. I am enrolled in a debt relief program where they make settlements with the creditors. In the program they have settled five other accounts. Is there anything I can do to reverse the judgement and stop the garnishments.

    • http://GetOutOfDebt.org Steve Rhode

      Yes, you can file bankruptcy.

      Outside of that you can hire a local attorney to see if there is any technicality to fight it.

      Steve

  • Holli

    What normally happens if you are sued for loan debt, and the creditor, or bank wins. What can the court do to you?

    I have a private student loan in default. They want me to pay in full or they are taking action. They will not tell me what kind of action. I’m guessing they will sue me for the debt. I offered to pay a small amount each month, but of course they couldnt take it. I don’t know what to do. Help?

    • http://GetOutOfDebt.org Steve Rhode

      Holli,

      With a court win they could get a judgment against you that would sit and earn interest, a wage garnishment, seize money from a bank account, etc.

      Steve

  • http://www.chs-law.com/rss.xml Carl H. Starrett II

    With $50,000 in credit card, you should at least consult with a bankruptcy attorney. Incurring the expense to file a lawsuit is a pretty big decision for an unsecured creditor and other lawsuits may soon follow.

    The cost of defending even one collection lawsuit will usually be several times the legal fees for a bankruptcy. It may be possible to work out an agreement at a judicial settlement conference, but the process can be overwhelming without competent legal help.

    Carl H. Starrett IIs last blog post..A Creditor Objected to My Discharge…Now What?

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