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Hammer
Joined: 16 Apr 2009
Hammer's page
Posts: 2
116 Magic Points
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Subject: How to deal with summons and debt validation letter
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Thu Apr 16, 2009 10:08 pm
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Hello all,
I received a summons a couple weeks ago and am trying to figure out how to handle it. The deadline is a little less than a month away. I want to make them validate the debt because I don't think they can (they make no reference to the original account number or anything, and its an old debt).
So should I mail the debt validation letter to them still and then wait to answer the summons? Or answer the summons by saying that I dont think I owe because the debt hasn't been validated?
With the deadline less than a month away I just wonder the effectiveness of mailing it to them.
Thanks in advance for any input. Much appreciated. |
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Justin
Joined: 17 Jul 2006
Justin's page
Posts: 1240
28942 Magic Points
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Fri Apr 17, 2009 8:36 am
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You need to file an answer to the summon first and then send the debt validation letter to the creditor. If you do not file the answer to the summon, the creditor can bring a default judgment against you either to garnish your wage or your bank account. While filing the answer to the summon, you can mention that you do not agree with the debt because you have still not asked for debt validation.
_________________
All the Best 
Justin |
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Bill
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Subject: Court Summons
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Thu May 14, 2009 7:42 pm
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| How do I handle a court sommons for a credit card debt. |
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rachael
Joined: 11 May 2009
rachael's page
Posts: 234
6581 Magic Points
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Subject: Court Summons
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Fri May 15, 2009 4:30 am
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Hi Bill,
File a response to the court summons and show up in court on the due date. When answering the summons, ask for a debt validation. Once the debt is validated, you can request for a payment plan from your creditor or the collection agency. Out of court settlement is better for both parties, the debtor and the creditor, as it saves a lot of bucks. But if you do not show up in court on the designated date, the court can bring default judgment against you and garnish your wages or your bank account.
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Looking forward to a debt-free life. |
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lagalag
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Subject: court summons
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Sat Feb 13, 2010 8:44 am
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| how to answer court summons on a legal affairs |
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john g
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Subject: court summon
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Sun Jun 06, 2010 5:34 pm
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| need to answer to summon, they did include a coppy of the credit monthly bill is that enough for to validate the debt or i can ask for the them to verify the debt |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48567 Magic Points
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Subject: answer to summons
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Mon Jun 07, 2010 12:06 pm
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Hi lagalag & john,
For answering to the summons you can get help from the court clerk form where you were served with the summons. You will have to visit the court from where you were served, and request the court clerk their to help you in answering to the summons.
If you have any attorney, you can get help from him too.
Thanks,
Aaron
_________________
Keep in touch |
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Kate
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Subject: Court Summons
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Sun Mar 13, 2011 9:33 pm
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| Answer the summons. If you need a form, go online and find the court. They should have a help center. You will need an Answer - Contract, because credit cards are sued under contract law. Then fill it out and file it with the clerk. Then write a letter to the company suing you asking for Debt Validation. Send it certified mail return receipt requested. Be sure and mention in your answer that you tried to work with the credit card company and they would not commit to any agreement in writing. You will get back from the court a document that will state the time and place of the hearing. Go to the hearing, tell the judge you want arbitration or some other remedy that forces the credit card company to work it out They won't get the judgement. But you will have to pay them something. |
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baby jane
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Subject: summon
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Wed May 18, 2011 12:28 am
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| DON'T DEAL WITH THE CEDITOR GO AND FILE ITS EASY AND IF YOU CANT AFFORD THE FEES THEY WILL WAIVE ALL FEES.wait for your court date and show up.its your dept you dont need an body to fight for you. |
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