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  1. #4
    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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