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sued for credit card debt

Date: Sun, 09/18/2011 - 12:08

Submitted by Xiomara
on Sun, 09/18/2011 - 12:08

Posts: Credits: [Donate]

Total Replies: 4


My father is 94 years old and has been sued by American Express Card. He is no only really old but has health problems that includes heart condition. His only source of income is an SSI check from the government. No property, car or any other asset. What can happen to him and what is the Answer and Appearance letter?


Hi Xiomara,

As your father hasn't paid off the credit card debt, the credit card company is suing him in order to recover the debts. As your father has received a summons, he will have to give a reply to it mentioning his health and financial situation. You can appoint an attorney who may represent him at the court and inform the court and the creditors about his health condition. If the court permits, then he may not have to remain present in the court house.

However, the court may order to garnishment of bank account so that the creditor can recover his debts. Though the SSI check cannot be garnished, once it is deposited in the account, the bank account can be garnished.

Take care.


lrhall41

Submitted by savion.parker on Sun, 09/18/2011 - 19:54

( Posts: 117 | Credits: )


Quote:


However, the court may order to garnishment of bank account so that the creditor can recover his debts. Though the SSI check cannot be garnished, once it is deposited in the account, the bank account can be garnished.


WRONG. SSI funds once in an account are still exempt.

He doesnt need an attorney. His income is ALL exempt. He does need to answer the summons and show up in court.


lrhall41

Submitted by SOAPLADY on Sun, 09/18/2011 - 20:05

( Posts: 17315 | Credits: )