My name is Tammy and

Date: Wed, 04/25/2007 - 16:51

Submitted by anonymous
on Wed, 04/25/2007 - 16:51

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Total Replies: 3

My name is Tammy and in trouble. I could not pay my Discover card bill from discover bank , Delaware state bank I had a citation brought to my house by cop. It says i am being sued.Then it says you are hereby cited to comply with the demand contained in the petition or you must file an answer or other pleadings within 10 days after service of exclusive of legal holidays in the office of the clerk of court. If you fail to comply with the demand of the petition or if you fail to file an answer or other pleadings within 10 days JUDGMENT by default for the demand or the petition may be entered against you without further notice.I owed about $5,000. Now they have upped it to $6,896.83, plus attorneys fees of 25% of principel and interest on all of these proceedings. I live in Louisiana. Can anyone help me with this? Can they garnish my wages or put a lein against the house or my bank account. If you have any advice please help me with this. Should I answer back within 10 days, and if so what. I cannot afford to pay this off like they are demanding.I am only a bus driver and do not have that kind of money.I AM VERY AFRAID THEY WILL GARINISH MY CHECK AND I WILL NOT HAVE ANY MONEY TO LIVE ONorTHEY WILL GO INTO MY CHECKING CAN THIS HAPPEN .My house is not payed for Any help is appreciated.PLEASE PLEASE HELP ME..Tammy PS They say i have 10 days to anwser them i can not have any money for a lawer PLEASE HELP

judgement

Tammy from Lou.
You need to go and follow through with this. I would not let it go. Maybe you can file for Bankruptcy. I don't don't know your situation. I know it may be different. I've had a card with Discover and they will try and get their money. I had them call me from a lawyer's office and they set me up with monthly payments. I'd lost my job and had no money hardly and they put me on a hardship plan. I pay this until my account will be paid in full. I'm going to school now and they have to take what they can get. Try and work out some kind of settlement if you can but you need to go through and do what the judgement says. You don't need to get into trouble and get sued. And I think they can garnish your wages too. Good luck and let us know what happens!

lrhall41

Submitted by on Wed, 04/25/2007 - 17:06

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I agree with the above poster. Try to contact them and see if yo

I agree with the above poster. Try to contact them and see if you can make some arrangements for monthly payments. They will file a judgement against you and garnish your wages. I'm not sure about the laws in Louisiana but I know it is legal in my state. The best of luck to you and let us know what happens.

lrhall41

Submitted by Sassnlucy on Wed, 04/25/2007 - 17:17

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Yes Louisiana is a wage garnishment state, they can take no more

Yes Louisiana is a wage garnishment state, they can take no more than 25% from your pay. This is disposable income, retirment (401 K etc) is exempt. I don't know anything about Louisiana law, but do show up for the court date. Some states have hardship provisions which might help you. Also, do what the other posters said first. As I said before, judges like to see that some effort has been made to settle before it gets to court. This can only help you.

lrhall41

Submitted by Law Student on Wed, 04/25/2007 - 18:34

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