Collection Agency taking me to court

Date: Wed, 09/24/2008 - 09:09

Submitted by anonymous
on Wed, 09/24/2008 - 09:09

Posts: 202330 Credits: [Donate]

Total Replies: 9

A collection agency is taking me to court stating i owe them 5900, told me they would settle for 4000 if i paid in 1 month and dropped the case. This is for an unsecured credit card. They would not agree to set me up on a payment plan, its all or nothing. Do you think a judge would allow me to make payments and reduce the fine also. I do not have the money to pay 4000. If I loose in court can they garnish my wages. I do not own a home, just a vehicle. Can they do anything to the paid off vehicle. I live in Pennsylvania. I don't know what to do. Help!!!

The court is highly unlikely to make you pay in a lump sum if it

The court is highly unlikely to make you pay in a lump sum if it is not possible. Also unless your car is a highly valuable it should be safe if you make the agreed/ordered payments.

How old is the debt?
Have you actually received a summons or are they telling you that a case was filed? Check with the court to find out for sure.
If you have the info on the agency send them a DV letter, certified mail, return receipt.

lrhall41

Submitted by on Wed, 09/24/2008 - 09:18

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Who was the CA? Are they a JDB?

lrhall41

Submitted by desperatelyseekingsanity on Wed, 09/24/2008 - 11:34

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Do I have a chance the judge will drop all the added interest in

Do I have a chance the judge will drop all the added interest in the case? What is a DV Letter?

lrhall41

Submitted by on Wed, 09/24/2008 - 11:50

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debt validation letter

lrhall41

Submitted by desperatelyseekingsanity on Wed, 09/24/2008 - 12:13

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I thought only the Credit Card Company (Bank) could sue and not

I thought only the Credit Card Company (Bank) could sue and not the collection agency? Like stated above, you'd need to be summons by your court as well.

lrhall41

Submitted by on Thu, 09/25/2008 - 09:41

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First off, CA's don't have the standing to sue, only DC attorney

First off, CA's don't have the standing to sue, only DC attorneys or attorneys working for the OC. Who is suing you? It should be listed on the summons and complaint. What state do you live in? When was the last time you paid on the account? Is it reporting? if so, how? What else came with the summons? An affadavit? Requests for production of documents or admissions? A questionaire?