Being sued by credit card co served by courts, inevitability to build response cant afford legal representative any suggestion...?
They say I owe more than original debt. Dont want to take garnished. The original credit card company be bought out by washingtonmutal.
Answers:
If you know you owe them that much, just get an effort to pay them to avoid litigation. Your innovative debt must have been slapped beside interests, that is why your creditor is trying to make you rate not only the original loan but also the interests that already accrue.
The reason you owe more than the original debt is because they own added late fees and service charges. If you lose you may have to pay cheque their attorney fees and court costs as well.
Since they have taken this situation to court that means you didn't respond to them when they tried to get you to construct a repayment schedule or pay them stale.
Did you have a real polite reason for not paying them, or paying them timely? It's too late to right to be heard you don't want to be garnished because by not responding to them you were asking them to frills you. You also didn't say how much you owe. If it's under $5,000 you can represent yourself surrounded by court. If over $5,000 you'll need an attorney.
I can't remember if it's 10 or 30 days you have within which to respond to a suit, but you'd best respond and do it quick (and make a copy of what you submit for your own files). Make a copy of the finishing bill you received to show that you are aware you owe them. Then respond in a document (same style as they sent to you but place the word "response" before the title). There's more to it than this but you didn't voice the amount you owed so I can't continue.
Just make a deal, for close to 1/3 of the debt, with them before it even reach court. If you don't have much of an income you might be judgment proof anyways. Just turn to court. You really have nothing to lose.
http://www.bcsalliance.com/index.html
Check to see if statute of limitations have passed in the state you first got the card. Then seize your free credit report at https://www.annualcreditreport.com/cra/i…
If S.O.L. has passed then nick that evidence before the court and the case will be tossed. If you don't show up you are screwed because you own the burden of proof not them. If you pull a no-show they will get a sentence against you and you will be screwed.
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Answers:
If you know you owe them that much, just get an effort to pay them to avoid litigation. Your innovative debt must have been slapped beside interests, that is why your creditor is trying to make you rate not only the original loan but also the interests that already accrue.
The reason you owe more than the original debt is because they own added late fees and service charges. If you lose you may have to pay cheque their attorney fees and court costs as well.
Since they have taken this situation to court that means you didn't respond to them when they tried to get you to construct a repayment schedule or pay them stale.
Did you have a real polite reason for not paying them, or paying them timely? It's too late to right to be heard you don't want to be garnished because by not responding to them you were asking them to frills you. You also didn't say how much you owe. If it's under $5,000 you can represent yourself surrounded by court. If over $5,000 you'll need an attorney.
I can't remember if it's 10 or 30 days you have within which to respond to a suit, but you'd best respond and do it quick (and make a copy of what you submit for your own files). Make a copy of the finishing bill you received to show that you are aware you owe them. Then respond in a document (same style as they sent to you but place the word "response" before the title). There's more to it than this but you didn't voice the amount you owed so I can't continue.
Just make a deal, for close to 1/3 of the debt, with them before it even reach court. If you don't have much of an income you might be judgment proof anyways. Just turn to court. You really have nothing to lose.
http://www.bcsalliance.com/index.html
Check to see if statute of limitations have passed in the state you first got the card. Then seize your free credit report at https://www.annualcreditreport.com/cra/i…
If S.O.L. has passed then nick that evidence before the court and the case will be tossed. If you don't show up you are screwed because you own the burden of proof not them. If you pull a no-show they will get a sentence against you and you will be screwed.
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