I received a summons to appear in court on credit card debt and called the creditor...
Date: Sun, 07/22/2012 - 12:31
Quote: I received a summons this month (July 2012) and called th
Quote:
I received a summons this month (July 2012) and called the law office that sent it to me. The lady was very nice and tried to help as best she could, so out of the call, she informed me that she would request a validation from FIA Card Services and should FIA not return the validation prior to the court date, the law office will not pursue a judegement on that date, but will more than likely request another court date. |
They will not request another court date...they will go ahead with the one they already have. Once you receive a summons, it is too late to DV...proof of the debt would have to be done in the discovery phase of the trial. And let's face it...FIA is BOA...they can prove you owe the debt.
Quote:
After receiving the summons, I totalled up the total amount I paid over the years Basically it seems, I spent a little less than $5000 and paid over $6000. Now they say I owe $2800 + court costs. I disagree and do not beleive I owe this debt. What can I do?:???: |
You are forgetting interest which on most credit cards runs from 15-30%. It adds up fast.
$1000 on interest doesn't cover it, especially if the account go
$1000 on interest doesn't cover it, especially if the account got closed out and you have not paid anything in almost a year's time.
Don't worry too much...
Don't worry too much. If you don't believe that you owe them that amount, ask them to validate such debt and then wait for whatever is their response or if they will still respond. Im pretty sure that it will take several months or even years before you receive another response. Also, what if they pronounce a judgment? They cannot force you to pay if you really cannot afford to pay. The best thing that you can do now is to wait and while waiting, why not get a free credit consultation from xxxxx Consultants. They can help you with your situation through debt settlement and other great tools. Feel free to visit the link that you will find below. Goodluck on your way out of debt!
MOD NOTE...RUN VERY FAST FROM ANY DEBT EXPERT THAT GIVES YOU ADVISE LIKE THIS. JUST FROM THIS ANSWER, IT IS OBVIOUS THEY HAVE NO CLUE ABOUT COURT PROCEEDINGS.
If you actually got served papers, then you're past the stage of
If you actually got served papers, then you're past the stage of requesting DV letters. Your best bet is to talk to a friend who is a lawyer about your personal situation.
