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  1. #1
    Join Date
    Apr 2007

    Question Summoned To Court - What's Next?

    Hello! Need some advice here. I recently got summoned and I am being sued by Capital One credit card company. I owe $13000.00 (by the time they kept adding late/overlimit charges over the span of several months) I went ahead and responded to the summons.

    Will someone please explain to me what will happen next? I don't have anything except my car, if a judgment is issued, does that mean they are going to take that? Should I be considering bankrupcy? Do I need to get a lawyer? I don't think I need one because I don't have any assets or money, but because I don't know the law, I want to be sure that I don't get into my legal ramifications due to my ignorance.

    I feel so overwhelmed and I don't know how to handle all of this. Perhaps I'm making a big deal but I don't know what to expect and trying to get legal advice here is horrible.

    Thanks in advance.

  2. #2

    Default Re: Summoned, what next?: AZ

    Do not even consider filing BK. Do you really owe the money or is there a product dispute? Call the company and start making the minimum payments on the credit card. Get a job or get welfare--go for it.

  3. #3
    Join Date
    Mar 2005

    Default Re: Summoned, what next?: AZ

    You can consider filing for bankruptcy, although with the amount at issue there are probably better options than bankruptcy. If you have other debts, or this is umanageable, consult a bankruptcy lawyer to discuss your options.

  4. #4
    Join Date
    Apr 2007
    Il.(near StL,Mo.)

    Default Re: Summoned, what next?: AZ

    re your question on the judgment - if they get a judgment against you, they can seize all non-exempt assets, garnish wages, etc. (whatever is legal in your state) Even if you have no non-exempt assets or wages at this time, if in the future you do, they can come after them. re the bankruptcy, do as the other posters suggested & talk to a bk attorney & see if that would be the best option for you.

  5. #5

    Default Re: Summoned To Court - What's Next?

    Did you contact Captital One and try and work something out with them?

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