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Answer / Court Date

Date: Sun, 03/15/2009 - 17:47

Submitted by anonymous
on Sun, 03/15/2009 - 17:47

Posts: 202330 Credits: [Donate]

Total Replies: 4


Question for all. I was sent a summons in December and asked to file an answer. I filed the answer within the time frame and have not heard anything as of yet. What is the next step? is it possible that the CA could go to court without my knowledge and obtain a judgment? If this happens what are my options?

Some back story. Had a debt with Discover Bank. Was unable to pay so they sent it to law firm for collections. Tried to work out settlement but they wanted payment in full. $8K.

I also asked for validation a year ago and nothing was sent.

Just dont want to be suprised with a judgment?

I live in PA. If a judgment is granted could they go after my bank account.

Thank you


Hi PA Debt,

You would be served a summons first and a court date where you can offer up your defense. If you lost, then it would be possible to go after your money - first they will go for wage garnishment.

But you will not be surprised with an automatic judgment, if you did it would mean you were never served and you could get it dismissed for improper service.

Hope this helps,

chrys


lrhall41

Submitted by Chrys Henderson on Mon, 03/16/2009 - 02:11

( Posts: 2538 | Credits: )


Hi,

It doesn't sound like a real summons. Call your county civil court and verify. I believe that the creditor is spoofing you; in that case, file a complaint with the Federal Trade Commission (FTC) and your State Attorney General's office immediately.

Quote:

There was no court date on the summons though.

Most likely a spoof, i.e., FRAUD. I'd be willing to bet on it now. I had my suspicions. but now I urge you to CALL YOUR COUNTY COURTHOUSE.

chrys


lrhall41

Submitted by Chrys Henderson on Mon, 03/16/2009 - 09:00

( Posts: 2538 | Credits: )