Served a summons from Love, Beal and Nixon

A satisfied judgement will stay on your credit for seven years.

An unsatisfied judgment will stay on your credit report for the life of the judgment.

I did call them again and got some very good news. If I can pay off the debt in the next 35 days in full, they will not file a judgment on me. So, overtime, here I come!

a) get the agreement from them in writing.

b) answer the summons.

If you do not do a) and b), they could still seek a default judgment against you.

How do I answer the summons? Do I write up an answer and my proposed payment and take it to the courthouse to be filed? Does that cost anything? Or do I just literally answer Love, beal and Nixon in writing? Thank you!

How do I answer the summons? Do I write something and file it in district Court? Does this cost anything? Or do I just send a letter to Love, Beal and Nixon, in answer of the summons? Thank you.

To answer the summons you need to follow the directions, usually found on the summons. There is usually a charge, depending on what the answer is. If you want to request a hearing or trial, there is usually a charge of between $75 to $200.

Usually you are only given 3 options to answer the summons with. They are:

1. You agree to pay in full the debt.

2. You request a hearing.

3. You request a jury trial.

A judgement does not stay on your report forever if it is not paid, unless it is government related. It falls off after 7 years like anything else.

Guest, we're both right and wrong.

15 USC 1681c.


It is important to note that a renewed judgment has a renewed life on the credit report.

When I was served with a summons for an old credit card, I contacted their law office and they took care of filing all of the necessary paperwork. Just make sure as Morningstar said you get any agreement with them in writing.

No, if the case doesn't go to court it SHOULD NOT (can not legally) go on your credit report as a judgement (you never went to court, no judgement was ever made).

However, if you do not stay on them they'll not fill out the dismissal forms. It took two years for them to dismiss our case (they didn't file the forms until we were notified that we were on the October 2007 docket to appear). Thankfully, I had all paperwork & receipts (from October - November 2005). I called them (September 2007)& they said they filed it but that was a lie, the dismissal wasn't filed until Septembetr 2007, five days after I called them!!! Keep good records.

Google them. Rip-off Report has some things as with several others. One lists an attorney that may be able to help you.

YOu have to ead the fine lines on the settlement agrrement. I had one that put it in there that it was still a judgement. If I had signed it it would have put a judgement on me. I caught it and called them and told them that is not what I agreed to at all. The whole intention of my paying was to keep from getting a judgement. They reworded the document and sent it back to me.

That's good advice Pybasj! I know a lot of people don't always read the fine print on contracts and such, and it can really come back to bite you if you don't.