credit card debt court
credit card debt court summon and being sued?
my boyfriend (of 5 years, we do not live together) has recently had a court summon b/c of delinquent card payments. Shouldn’t he at least attempt making some sort of payment on the card before his actual court date? Wouldn’t this show he is trying to pay? He is so broke it’s not even funny right now because he doesn’t work many hours after being laid off of his other job.
Essentially, what smart steps does he need to take? He is clueless.
OK, 1st i am shocked that they are going after him not having an income, assets.
how old is the debt? if it is like 1-3 years it is more than likely the original credit card company going after him. this is a bit more tricky, what they do is get a local attorney “us ally in a bigger city” file lawsuits everyone that owes them money. If this is the case show up to court explain your situation to a judge, work out a payment plan.
IF it is over three years old it is more than likely a collector ownes the account NOW you should get a lawyer involved. these people buy that old debt for pennies on the dollar. What an attorney will do is to see if the SOL is expired, meaning the time frame they can file suit. they will also file a motion of discovery meaning that they will have to provide all documents proving the debt is yours. original contract signed, most of these junk debt buyer don’t have that info. There thoughts are thinking that you are not going to show up to court, then they get a default judgment.
