need advice!! am being sued by credit card company

Submitted by musicfan25 on Fri, 08/06/2010 - 06:31

I just got a citation to go to court and pay a debt I owe. I didnt know what to do so I called the court and they told me it was a credit card company suing me and now I have to write a letter to the court about the debt i owe. What am I supposed to write besides what I owe? . If I owe the debt what do I do? Do I have to go to court? I got a call from their lawyer. Should I try to settle with the lawyer or what? What options do i have? 7000 is too much for me to pay. I dont have a job now. I Need some advice. is there any way theyd let me pay less than what i owed if its from the credit card company and not a collection agency?

Thanks for any help.

Anonymous (not verified)

Hi musicfan,

Citation from court asks you to appear in court on a stipulated time and debt. If the person asked to appear fails to appear as asked by the court, he can even get punished. Thu, you can talk to the court clerk about this. Moreover, you were asked to file an answer to this. Thus, you should do that.

What am I supposed to write besides what I owe?

The court clerk will know this better. You can request the court clerk to help you in answering to the summons. You can also take help from an attorney.

Should I try to settle with the lawyer or what? What options do i have?

You can first talk to the creditor. If he asks you you discuss this with the lawyer, you may have to try settling the debt with the lawyer. However, you should get the settlement in writing, and you should also request the creditor to stop the lawsuit on payment of the debt.



Fri, 08/06/2010 - 10:52 Permalink

ok Thank You. I will see what I can do. Do you know if the court date would be within a week or two after receiving the letter ? Or is it a later date?

Fri, 08/06/2010 - 19:02 Permalink

Hi musicfan,

Sorry for the late reply.

Do you know if the court date would be within a week or two after receiving the letter ? Or is it a later date?

I am not sure about this. Does not the summons mention anything about the court date? It generally does. If there's no mention of the court date in the summons, you can talk to the court clerk about the date.



Mon, 08/09/2010 - 07:35 Permalink

I called the credit card company but they arent handling the account anymore. So it must be a collections agency suing me. the court clerk said it was a credit card company. I'm confused. Their asking for the same amount of money as the credit card company. Do I contact their lawyer now? What should I do differently?

Tue, 08/10/2010 - 01:53 Permalink

Hi musicfan,

As you are not sure about this debt you can visit the court and request the court clerk there to provide you with the paperwork in regards to the debt.

However, you should file the answer to the summons within the stipulated time.



Tue, 08/10/2010 - 10:07 Permalink
Allison Courts (not verified)

I was laid off over 2 yrs, I am still out of work I couldn't continue to make payments on my credit cards, now Citibank is suing me. what do I do?

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I was sued 10 years ago by my credit card company over 6,000, I didn't show up for court date, constable came out to my home and saw that I didn't have anything worth 6000 that I could sale and he wrote something on the paper and I never heard from them again

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