Also I forgot to ask...what's this credit and loan stuff now? I've never seen it before. It says I have 1098 credits and then it talks about a savings account and a loan.

don't know about that,but answer the summons.the very least is the judge will work out a payment plan you can afford.just answer the summons.you do have rights,and due process is one of them.file your answer asap.your court clerk can help with that if needed.

By answering the summons do you mean go to court? Or just reply in writing?

Hello, i was just wondering how long did they take them to send you this information ?

The reason i'm asking is because i'm about to default on my loans and i need 3 months after i default to save money to file for bankruptcy! How long did they take them to send your this papers after you defaulted on your loans ?

Thanks.

You should absolutely show up in court, if you don't, they could have your wages garnished, as Paul said, if you show up in court the Judge will work out a payment plan you can afford. Never ever allow the court system to obtain a default judgment against you for not showing up in court, GO to court!

Can I please ask who the legal lender was that is pursuing you? I ask for my own knowledge I also have a couple of legal lenders that I'm trying to save enough monety to pay in full.

By saying that it's a legal lender, I'm assuming that this lender is a storefront with a license to do business in your state? And if they are a CFSA member, did you come in before your loan was due to fill out the paperwork for the payment arrangements and did you keep them?
Now, while I absolutely agree that you should show up in court, I feel that other information is needed here before we can really advise you--if the lender did not let you do a payment arrangement and are indeed CFSA members that is going to be one road--but if you did do the paperwork and defaulted, you are going to need different advice.
If they did not let you do a payment arrangement, then I would go after them for that and report them to the CFSA. If they did and it was broken, then I would show up in court and propose a reasonable payment arrangement that you can live with.

I know they can't garnish my wages because I am already having my wages garnished for a medical bill and per MS law you can only be garnsihed one at a time. They did not offer an epp and were quite rude when I did try to talk to them. I sent them a certified letter asking for other payment arrangements but never got a reply. Then I had all sorts of stuff happen and never actually sent in a payment. I know that's mu fault and am willing to pay now. The reason I don't want to go to court is a. They are a scary bunch of people and b. I am not actually contesting the law suit since I do owe it. With the medical bill I am getting garnished for now they advised me to wait until a default judgment was entered and then they worked with me. The lgeal lender is a storefront called express check advance