been sued =(

I would think if you called and asked to settle the Capitol One account, they would be willing to work with you, and cancel the court date. It doesn't hurt to check. Even if you don't go to court the worst that can happen is the creditor can garnish your wages. They can't lock you up or anything. Or maybe you could go to court and work out some payment arrangements.

Ok for starters, take a deep breath and count to 10... Now have u gotten a summons? If so, u need to answer the summons in the time alotted, do NOT ignore this as they will get a default judgment.. If u need i have copies of how to answer and summons on my other computer and i can get that for u if u need...
Now after answering the summons, yes they will most definately want to settle this debt with u.... But remember the longer u let it go on the more atty fees they will add on to ur amount due so if u can do this in a timely manner it will help tremdendously.
Now for the second one from the CA, again answer the summons and state in it they have not validated this debt for u... Do u have teh green card from ur DV letter? This will be ur proof.
If u have any more questions please feel free to ask.
Ang
P.S. Also, court is really not that bad. I know it's very intimidating and i was like u, scared to death as i had NEVER been in a court room before but it truely wasn't bad at all! Everyoen was very friendly!

Just because you are being sued doesn't mean you can't settle before you go to court. In fact it would probably be better before court fee's and attny fee's get tacked on.

I took a few deep breaths and I called the attorneys for Cap one, well which is both the accounts. They said I owed like 2000 I guess with all the fees and interest so I had them send a settlement offer of 1000 two payments of 500 which is the best I can do and they said only two payments could they accept for a settlement, so hopefully they'll take that and I can get rid of it.

I dont know how to answer a summons do I fill out the back of this yellow paper and mail it to them?

Get documentation of the settlement.

As for answering a summons just do what it ask you to do.

I just filed an answer to a summons today. And ironically, it was from Midland Funding, too, or their attorneys I should say.

My summons instructed me to file an answer at the courthouse and mail an answer to the attorneys. I just typed up the paper on the computer, with the attorneys' names as plaintiff, me as defendant, etc. and the court case number. I then went into the reasons I felt this summons should be dismissed. It didn't cost me anything to file it. I kept a copy for myself, and sent a copy, certified mail, stamped with the court stamp, to the attorneys.

Ok not to scare u or anything but what state are u in? Most of the time courts want legal answers filed in a certain way. On certain size paper, typed up in a certain order or else they will throw it out!
check this out!
Ang

I'm in Missouri it says on the summons

You are herebey summon to appear in the above named and division (address) on the above court date and time, then and there to answer the complaint of the above named Which demands judgement together with this costs expended against the defendant.

Each defendant is notified if you fail to appear and answer at the time and place stated in this summons Judgement by default may be taken against you for the relief demanded in this complaint

Does that mean I just have to show up and not send anything to them, that's all the instruction I get =/

let me get to my other computer and post for u what a summons here in La. looks like and then u tell me if urs looks the same, k? cuz the way i read it up there as u posted is u just show up and then answer the questions!
I'll be back in a min with what my summons looked like
Ang

on the back though it has return of service of summons and at the bottom another section Certificate of Mailing

I guess the Return of Summons is if the sheriff couldnt locate me and the Certificate of mailing has a spot for the clerks name. I guess

Ok so i tried to post and not sure it went thru, here goes again. Guess this is the reason i'm NOT an atty! ha ha A summons is served to give u a court date that u need to show up at or they will win by default. Here they send a "citaton" first and again if u dont' answer it they win by default. It looks like this:


Im SO sorry for the confusion i caused u or the unnecessary worry!
Hope this helps u to understand better!
ANg

SOrry for hte double post!
YIKES,
Ang

so I dont have to send anything in the mail back to them? I just go to court and probly answer these questions

I have papers stapled to the back of the summons that sort of looks like that says like Petition on Account and has a bunch of numbered statements, is that the thing I need to respond to?

The way i'm reading waht u posted yes u just need to show up but once again i am no atty. Maybe u cud call an atty and ask but i'm not sure what u wud send anyway if that's all they said on the summons. Make sure to show up!
Sounds like mediation to me.
Ang

number one confuses me it says Midland funding llc, a limited liability company and or corp, Assignee of Aspire visa but they were assigned by aspire they bought this account from them he

then number 2 has me listed

I guess I have to send if I agree to these statements or not but half of them dont even make any damn sense

okay I'll have to call the court house maybe they can tell me if I dont figure it out, thanks for all the help though Ang you are absolutely the best!

wow u got me.
Ang

if you dont answer a summons what will happen.

If you don't answer a summons, the plaintiff wins with a default judgment.