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  1. #1
    Join Date
    Jan 2008
    Location
    Toledo, OH
    Posts
    16,307

    Default Re: Credit Card Debt When Bankruptcy Is Not Option, Legal Notice Received

    Typically, there are questions included in the summons. Respond to them truthfully, then show up for court on the appointed day (take an attorney!) and answer the questions posed in court.

    When they see how little you earn, it's likely they won't even bother trying to garnish your wages.

  2. #2
    Join Date
    Apr 2008
    Posts
    2

    Default Re: Credit Card Debt When Bankruptcy Is Not Option, Legal Notice Received

    Quote Quoting LawResearcherMissy
    View Post
    Typically, there are questions included in the summons. Respond to them truthfully, then show up for court on the appointed day (take an attorney!) and answer the questions posed in court.

    When they see how little you earn, it's likely they won't even bother trying to garnish your wages.
    Hi - this is a good suggestion. Thank you.
    There are no questions. They've just asked to reply. The note also says I don't need to go to court, just reply within 20 days of receiving the summons. I also won't be able to afford an attorney so welcome any additional guidance. Thanks!

  3. #3
    Join Date
    Apr 2007
    Location
    Il.(near StL,Mo.)
    Posts
    5,252

    Default Re: Credit Card Debt When Bankruptcy Is Not Option, Legal Notice Received

    Are you sure there aren't instructions on the summons/complaint as to how to reply - there usually are.

    These are JUST EXAMPLES of some replies/answers (your reply may very well be different) -- the SOL has expired (though seems it hasn't in your case), I do not owe the debt, the debt is not mine .......(tell them why you haven't paid)

    Be sure to reply within the time limit allowed or they will get a default judgment against you.

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