Being sued by credit card

Someone will come along soon to answer you question about the response, sorry I don't know, however how old was this debt and for how much?

is this a summons or a letter of judgement?

sorry didn't mean to post 2xs.

I was paying on my credit card faithfully until about Aug 2008 and due to financial issues, have not paid anything since. I think I received a letter of judgment because there is no court date on it. It just says that I need to file something in writing with the court. The lawyer/CA are stating that my current balance due is $2064.07(my original credit limit was $1500.00). They are also stating that they are entited to an additional interest rate of 6% per annum on the unpaid balance from November 13, 2008.

Another question that I have is about a payoff amount. How much should I offer on this balance?

i would first check with your court clerk for clarification.make sure there is a judgement or court date.if not send DV and C&D letters.send them certified mail return receipt.if so there should have been a list of questions to answer.if this is a judgement look into having it vacated for improper service,but check with your court clerk first.

At the top of the "judgement" or whatever it is, it says complaint(in all caps) then it has 7 statements which it seems to me like they are "stating their case". For example it states that I opened the credit acct and made use of it and the balance is listed here. It also states that I am in default by failing to make the monthly payments when due, etc.

i would still check with your court clerk.see what the status of that is.make sure there is a judgement or court date.

Ok. I will do that. All of this makes me nervous. I was planning on paying off my cards when I got my income tax return so I don't have to worry about this again. I don't want to have to pay all of the extra fees with going to court etc. I cannot afford it.

byw....thanks soooo much. It does make me feel a little better knowing that there are people out there who try to help.

hey i know how it is.a pdl tried that phony court document with me.i'm not saying that's the case here,but it could be.

It is noterized and has a cover letter on it from my county court office stating to call the court administrator if i could not afford an lawyer,etc so it does "seem" legal.