question about a letter

IF you get a summons and do not show up, they will get a default judgement to garnish your wages,

I would recommend finding out if they have actually file suit - call your local law enforcement to see if there's a set of papers to be delivered to you by the sheriff.

Is this for a payday loan, by the way?

I thought in my state they couldn't do that. I forget where I read about that. It was from a link I believe provided in this forum somewhere. Does that sound familar to anyone?

No, not a payday loan. It is a credit card. Damn the plastic. Damn myself.

I found about the wages for my state and it's a no-no for this type of thing. Can they get into my bank account somehow? I'm guessing from Suebee's response, they could know before I would know about a suit,yes/no/maybe? Also from forum, I should use money orders for any of these types of payments,correct? Thanks you guys, this forum rocks as the youngsters would say.

Check if they filed, find out. Dont just let them get a default show up for court. If you give more info there may be more help.

What state are you in?

PA

I just thought that I would know before someother debt consol company would know that there was a suit filed. I guess not or then this company is doing the scare me tatic.

guest, you can't be garnished in your state for consumer debts, but you can have your accounts levvied, which can be worse than a straight garn, since there is no cap on how much they can take at once. I would definitely contact the creditor, as well as checking with the court, to see what arrangements can be made. No one wants to levvy your wages; this is extra time, money, and paperwork. It sounds like in this stage of the game you can still make arrangements. good luck.

Generally it would seem you would have received a summons by now (unless it was sent to a wrong address, etc.). Call your county clerk and ask if a suit has been filed against you. If not, and the company is using it as a scare tactic, sue them.

I agree with law student...They cannot tell you that a suit has been filed against you unless they actually have filed a suit against you

I had a similar situation happen. I was notified by several attorneys offering to represent me in a lawsuit that I wasn't even aware was against me. You should be able to go to your county court house and find out who it is and contact them. In my case, original creditor and Midland Credit refused to speak to me and sent me straight to their lawyer. He was able to get Midland to settle outside of court. I had to pay them $600/ month for 3 months, but it was better than loosing my job for wage garnishment. Make sure you follow up though that the lawyer lets the courts know if it does get paid off outside of court. I just checked my record last week and found out the courts issued a default judgement on me even though I paid Midland off in February because the lawyer representing Midland did not notify the courts that we settled outside of court. Best of luck.