Re: I received a summons from a credit card company

Filing Bankruptcy Chapter 7 and Chapter 13 Personal Bankruptcy

[ Follow Ups ] [ Post Followup ] [ The Bankruptcy Forum ] [ FAQ ]

Posted by: Jen on 07/31/03:

In Reply to: I received a summons from a credit card company posted by: Kristin on July 31, 2003 at 09:35:22:

: What do I do? I have to "answer". What do I answer? That I had to leave my asshole exhusband because he started beating the crap out of me and due to this I was homeless for 6 months until I could find a job that would pay daycare and rent for my 5 year old and 16 month old?
: Right now I can't even afford to claim bankruptcy.
: What do I do? Am I going to jail? Are they going to garnish my wages? I don't even make enough now to pay my bare necessities, my loser ex husband is behind on his child support and I can't even pay my rent this Friday!!!!
Okay, two things you can do. Show up at the court date and dispute any of the charges and let the judge decide if you have to pay OR do not go to court (and no, you don't have to go) and they will automatically rule in favor of the CC company. Chances are they would do that anyway. After the judge says you have to pay the charges (and he will no matter what situation you are in) you will be sent a notice by the company. You will be able to call the attorney who represented them and work out payments. But keep in mind it went to court and go ruled against you so they will not take tiny payments. Usually once it hits this point they will take no less than one to two hundred dollars. If you don't contact them and make arrangments AFTER the court date then they can and WILL take your wages. Plain and simple. If you file BK it will put a stay on this whole thing and they can't do a thing. I know it is pricey. It costs us almost a thousand to file. :( Good luck and I hope you figure it out soon.
Jennifer

Follow Ups:

Post a Followup

Name :
E-Mail :

Subject : Re: Re: I received a summons from a credit card company

Comments:
: : What do I do? I have to "answer". What do I answer? That I had to leave my asshole exhusband because he started beating the crap out of me and due to this I was homeless for 6 months until I could find a job that would pay daycare and rent for my 5 year old and 16 month old?

: : Right now I can't even afford to claim bankruptcy.

: : What do I do? Am I going to jail? Are they going to garnish my wages? I don't even make enough now to pay my bare necessities, my loser ex husband is behind on his child support and I can't even pay my rent this Friday!!!!

: Okay, two things you can do. Show up at the court date and dispute any of the charges and let the judge decide if you have to pay OR do not go to court (and no, you don't have to go) and they will automatically rule in favor of the CC company. Chances are they would do that anyway. After the judge says you have to pay the charges (and he will no matter what situation you are in) you will be sent a notice by the company. You will be able to call the attorney who represented them and work out payments. But keep in mind it went to court and go ruled against you so they will not take tiny payments. Usually once it hits this point they will take no less than one to two hundred dollars. If you don't contact them and make arrangments AFTER the court date then they can and WILL take your wages. Plain and simple. If you file BK it will put a stay on this whole thing and they can't do a thing. I know it is pricey. It costs us almost a thousand to file. :( Good luck and I hope you figure it out soon.
: Jennifer

Return To The Bankruptcy Forum

[ Follow Ups ] Post Followup ] [ The Bankruptcy Forum ] [ FAQ ]