Summons from Mann Bracken

It's too late to DV, you're already being sued. You need to request validation thru the Discovery phase of litigation. What state do you live in? When was the last time you paid on the account? What else came with the summons?

I live in CA. I have not paid on this account in probably a year. When does the discovery phase of litigation begin? I am seeing an attorney on Monday morning to file Ch 7 BK. Will this stop the suit?

Bankruptcy will stop teh suit.

After getting stuck in the PDL trap, and never having any money left from my paycheck all of my bills have gotten behind over the past year. I have been looking for a way to pay them so I didn't have to file BK. I feel so stupid sometimes and I really don't want to file BK but I just don't see any way out of it. Mann Bracken continues to call me on a regular basis even though they've already served me. Do you think I call them back now or wait until I have seen the attorney on Monday and let them know about the BK?

The BK Court will be sending them a letter after you file. That will be all the notice they need.

But, I only have 30 days to respond. What if my case hasn't been filed by then?

Let them know the case number as soon as you have it. The filing date is the date you turn the paperwork in to the courts and the automatic stay takes precedent immediately. So you can either speed up the process of completing the paperwork so you can file immediately, or go ahead and respond to the summons. Court dates are usually set some time in advance. Next will come the Case Management Conference which is usually scheduled around 4 months later (according to "http://www.gianelli-law.com/article9-NTL-whathappens.html") so you have plenty of time to get your Bankruptcy paperwork together.

Okay. Thank you ChrysHenderson. I appreciate everyone's help. I'm so stressed over all of this, it's made me paranoid. The support from this site is helpful though. Thanks again.

No problem, that's what we're here for. :)