being sued for credit card debt
Date: Tue, 07/21/2009 - 13:48
Family member is being sued in IA small claims court for fairly recent credit card debt from Discover Card. they have 20 days to respond and provide plea. If they plea the debt is not valid a court date is set. The debt is valid, excluding fees/interest.
Should they plea not valid and try to negotiate the debt at small claims court?
If a judgement is rendered, what can they garnish. I'm told only wages. The family member is on social security via a railroad pension. Can they garnish these wages. Family memer is also over 80 years old. Looking for advice.
Should they plea not valid and try to negotiate the debt at small claims court?
If a judgement is rendered, what can they garnish. I'm told only wages. The family member is on social security via a railroad pension. Can they garnish these wages. Family memer is also over 80 years old. Looking for advice.
Well for starters they can't garnish without a judgement, and th
Well for starters they can't garnish without a judgement, and they have to win that first. I'm gonna tell you up front that Discover is very aggressive. I would plead not valid, and put it in Discovers hands to prove the debt.
Whatever you do, show up in court. Perhaps a deal can be worked out in court.
They cannot garnish SS wages.
DENY EVERYTHING...make them prove it all. Check with a lawyer,
DENY EVERYTHING...make them prove it all. Check with a lawyer, but SS is exempt from garnishment...not sure about rr pension...find out for sure.
Make sure they serve a notice of appearance before the 20 days!
Make sure they serve a notice of appearance before the 20 days! Too the court and plaintiff. That is essential. Depending on the amount they may settle.