I live in Minnesota.
Today I received a letter from a law firm representing a credit card, the letter is a request for a hearing for them to be awarded attorneys fees. Apparently they served a summons and since I never responded it says I defaulted and they won the action against me. I never received the original summons. I haven't lived at the address they have for over a year. However I do still own the address and am renting the property but the renters said that nothing was ever delivered there.
I don't know what to do at this point. How do I prove that I never received the summons? Is the burden of proof on them or me? I am JUST starting a new job, literally 2 days ago and do not want them to get a garnishment on this.
I cannot afford a lawyer, everyone of them I have called wants a minimum of $1000. If I had that kind of money I would just pay it towards the debt, not incur any new debt.
I would like to contact this lawyer about this new letter but don't know what to say or what I should ask for.
The letter states that if I do respond they are going to ask to be rewarded more money that this letter is asking for, which of course makes me think I should not respond. Advice would be very appreciated.
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.