Internet's first get-out-of-debt community - 129,000 members

i just got a summons today from borack and associates for a debt. what should be my first move, should i call them and try to settle out of court or go to court and see what judge says. by the way the name at the bottom of summons (signature of lawyer) does not appear on the borack website!?! i find it a bit odd!!! thanks for any kind of help!

Posted: Mon Jun 30, 2008 8:08 am Subject:

I am assuming you already received a dunning letter stating you had thirty days to respond and dispute the debt, or it would be assumed the debt is yours? You need to answer the summons, for sure. And if you feel you can negotiate a pay off, and are sure this debt is yours, nor do you dispute the amount, then by all means negotiate a pay off with them. Just make sure you answer the summons in the time allotted.

Posted: Thu Jul 10, 2008 7:28 pm Subject:

send them a DM letter. I had a case brought against me by these people. I never got summons but was sent a dimissal letter. They called my parents house and i return there phone call. They couldn't answer any of my questions and couldn't even tell me who the originator creditor was. do a search on this web site for them and you will find other information about them.

Smoody0923 · Posted: Tue Jul 15, 2008 9:41 pm Subject: Porfolio Recovery

Hi, I am scheduled to go to court in 2 days for a car repo in 2001. Portfolio called today to try and work out a payment. What should I do. I am pretty sure that the SOL is up in Tn. ( 6 years )

Guest · Posted: Wed Jul 16, 2008 12:46 am Subject:

If you have a legitimate court date, you must go or they will get a judgement against you and once they have a judgement place liens on your property and garnish your wages.

Posted: Wed Jul 16, 2008 6:19 am Subject:

Welcome to the community Smoody0923.
Guest is correct, if you don't show up in court they will get a default judgment, however by going to court you can use SOL as an affirmative defense.

dbd · Posted: Fri Aug 15, 2008 2:25 pm Subject: debt calls

borack and associates.i pd a old debt off x1year and half 125dollars a ,month,i thought it was paid off they wrote a summons said i owed them over 1200 dollars was late charges and whatever they said they said it was 6oo dollars left but those were the other charges what you think about that,got to be some laws to stop them from harassing people all the time when the debt has been paid more than the credit you got on the credit card a 5oo dollars card you end up spending 2ooo dollars or more on it and they still harass you.some one tell me the laws

Posted: Fri Aug 15, 2008 4:23 pm Subject:

If you received a summons, you definitely need to respond and show up in court. Otherwise, the collection agency will get a default judgment against you. Then they can lien your property and/or garnish your wages (unless you live in a non-garnishment state).

Was $2000 the balance of your account when the credit card company charged it off? Or was $500 the balance of your account at the time of charge off and the collection agency added interest to bring the total to $2000?

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Internet's first get-out-of-debt community - 129,000 members

should i worry? got summons from borack and associates

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