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Court Summons from CC Debt - Please help!

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I just received a "Summons on Complaint" letter from my local Court of Common Pleas in Ohio. I, unfortunately, did not follow up with multiple calls from a collection agency in my state who is representing Capital One for a credit card that was charged off about a year ago. The balance due is around $5,000.00. I am young and do not have any experience with this at all and kindly seek advice - what do I do next? Would there be any chance of getting this court case dropped if I contact the Collection Agency attorney directly and offer to set up monthly payments? Please help!




Talk to an attorney immediately and respond to the "Summons on Complaint" within 6 business day.

Sub: #1 posted on Mon, 04/30/2018 - 06:40

sanderspatricia29 sanderspatricia29

(Posts: 878 | Credits: )

Well you got in the muck!
Do as Sanders say. Go to an attorney, explain the situation and see what you can do. It will take time.... By the way what do you man by charged off??? Charged off means cleared... And you can't be sued for a debt that's forgiven, cancelled or charged off!!!!!!!

Sub: #2 posted on Mon, 04/30/2018 - 13:19

Phil Bradford Phil Bradford

(Posts: 166 | Credits: )

Charged off means cleared... And you can't be sued for a debt that's forgiven, cancelled or charged off!!!!!!!


You're wrong. You can be sued for a charged-off account. The creditor is only reporting the account as a loss. But it doesn't imply that the creditor can't make collection attempts. The creditor can sell your account to a collection agency. The CA can file a lawsuit against you.

Would there be any chance of getting this court case dropped if I contact the Collection Agency attorney directly and offer to set up monthly payments? Please help!


This is the best solution right now. Try to settle the debt out of court. But you have to give a reply to summons.

Sub: #3 posted on Mon, 04/30/2018 - 23:10

SC SC
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(Posts: 3937 | Credits: )

Ya I checked.... You are correct...... SC.... Charged off means, the Creditor, blacklists a credit account, and is now ready to take any sort of legal action to collect the due amounts!
But you can again play a trick here. If the amount is low, and you are smart enough to escape the collectors and creditors tactfully, then wait for 7 years, till the account gets discharged as per the statutes of limitations.
But whatever's the case go for consolidation or settlement, and pay off the debt legally.

Sub: #4 posted on Tue, 05/01/2018 - 23:08

Phil Bradford Phil Bradford

(Posts: 166 | Credits: )

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