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  1. #1
    Join Date
    Jun 2010
    Posts
    1

    Default Credit Card Debt Summons in Oregon

    I need to "answer" a summons I received about two weeks ago. The problem is they (The credit card company) Is in the right, I DO owe them the money. I just got in too deep and couldnt make the payments anymore so I just stopped paying on it. So now I need to know, what happens when I ignore "answering" the summons? I know they automatically win but I Have nothing to fight. they are right, I am wrong. I make about $350 a month, have not had an open bank account in 2 years, RENT my house, and do not have a car in my name. Im planning on filing bankruptcy, but not for a couple of months due to saving money for it. So, What is going to happen?

    So frustrating!

    I know the credit card company is going to recieve a judgement for me to pay when I do not answer the summons but are they going to garnish my wages or what... I read somewhere that I do no make enough for that.

  2. #2
    Join Date
    Sep 2005
    Location
    Behind a Desk
    Posts
    98,846

    Default Re: Credit Card Debt Summons in Oregon

    If you ignore the summons they'll obtain a default judgment against you and will be able to pursue it through court-provided remedies - examining you about your assets under oath, garnishment, execution against your assets, etc. Oregon does permit wage garnishment.

    I suggest consulting a bankruptcy lawyer now - the consultation should be free - as you may have to jump through some hoops (e.g., credit counseling for Chapter 7 bankruptcy) or be careful about certain expenditures or selective payment of creditors during the lookback period.

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