My question involves collection proceedings in the State of: Arkansas
Good Afternoon. I received a summons and suit for a credit card debt. I have read through this forum, and many other pages on how to respond, but still am not sure what to do.
I by no means am going to sit back and ignore this. I will provide a response in the time required.
How to you properly respond to a debt summons that you really do owe the debt on? What type of affirmative action response could I provide? How do I effectively deny the points of the suit without digging myself into a hole?
I had a verbal payment agreement with the debtor, and received the summons before the first payment was due.
The debtor has threatened to attempt to foreclose on my house if I do not make a payment on the credit card... Is this something I could use as an affirmative defense?
I know this is my first post, but please help guide me in the right direction.