[phanupe]

My question involves collection proceedings in the State of: GA

I received a notice and summons that must be answered by Friday regarding a charged off C/C that was closed in 2005 in the amount of $3663.00. The original limit on this card was $1800.00.

My questions are:

How do i submit my answer to the summon? Is there a letterhead that can be dowloaded?

Will my answer result in me having to go to court or can the case be settled out of court?

Any advise will be appreciated!

[Betty3]

You need to answer the summons in the time limit allowed or they will get a default judgment against you.

There should have been instructions with the summons as how to submit an answer. If you have a defense, you want to put that in your answer (ie SOL elapsed, don't believe debt is yours ....). The court clerk can help you with how to answer. However, they cannot give you legal advice or tell you what to put in your answer.

After they receive your answer, you will receive a court date.

A debt can sometimes be settled before going to court. The debtor needs to call the attorney for the creditor (ie collection agcy.) & see if they are willing to settle for a lesser amount and/or set up a payment plan. They don't though have to do either. If a settlement/payment plan is arrived at before going to court, it should always be in writing.