Debt Issue

Have you answered the summons yet? If not, do so as soon as possible, or they will get a default judgement if you don"t appear. You said something about years, how long has it been since you have paid on the debt? It may be out of the SOL period, that doesn't mean you don't owe the debt, just that they cannot sue you for it. But you must include this in your reply, if I am not mistaken..If you have any questions, plesase ask..KAren
What state are you from?

By the way- Welcome to the Community :D Is this a summons with a court date, or just something from an attorneys office?

It was an actual summons with a court date. I'm in colorado. My last payment was probably bout 2 years ago... but not really sure.

Have you checked the Statutes of Limitations on the debt? I would recommend that you answer the summons as soon as possible to avoid a default judgment. I would recommend that you contact the creditor to see if there is anything that can be done to get the debt paid. Either that, or go to court which may or may not recommend a garnishment of your wages. Are you working?

If it was 2 years ago, it probably isn't out of the SOL, but here is a link at http://www.fair-debt-collection.com/SOL-by-State.html#T where you can look up your state and see, hope this helps..KAren

Talk to the collection agency about fixing up a repayment plan for you. Insist them not to take the matter to the court because you are willing to pay as much as you can afford now. If they agree, request them to withdraw the case from the court.

In case, they are not willing to work with you, don't fail to go the court hearing. Otherwise, you will have a default judgment in your name. The collection agency will start contacting your payroll to garnish your wages. When you are in front of the judge, show all your sources of income and necessary expenses. The judge will resize the repayments as per your affordability.

Yes I am working. I want to avoid court if at all possible. Can I use a debt consolidator that will pay this, and then I could just make payments to them?

If i do go to court will this have a big effect on my credit?

Try with different companies in your area. Keep in mind that no consolidation company will take your case if a judgment is put on your name. If there is anyway you can involve a counselor in your case, this is the right time to find one.

How do I find a counselor? Judgement hasn't been put on my name yet, has it? I haven't been to court yet.

Since you have joined as a memebr here, someone should be contacting you for your free credit counseling, you can discuss this with them. I'm not sure about being able to put it on consolidation if you have a court date coming up- but someone else may have that answer.Good Luck..KAren