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  1. #1
    Join Date
    May 2009
    Posts
    2

    Default Court Summons for Credit Card Debt in Illinois

    My question involves collection proceedings in the State of: Illinois
    The sheriff came to my house with a summons two days ago. I have a debt with Capitol One.
    I was layed off in 2004 and since then I've been living with my 87 year old mother and taking care for her. I have no income, property or assets.
    My concern is that my mother and I have a joint checking account so that I can pay the household bills (with her money) and my mother has bank accounts in which my name appears with her has the trustee.
    If a judgement is ruled against me, can my mothers accounts be frozen or used to satisfy the judgement since my name appears on the accounts? Also, since I have no income at this time and the court sets up a payment plan, what will happen if I can't pay?
    The summons says:
    "YOU ARE SUMMONED and required:
    1. To file your written appearence by yourself or your attorney and pay the required fee in room 602, Richard J. Daley Center, Chicago, Illinois, at or before 9:30 AM on 05-12-09.
    a. If you are sued for $10,000 or less (which I am) , you need not file an answer unless ordered to do so by the court."
    Thank you in advance for any answers or advice you have.

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

    Default Re: Court Summons for Credit Card Debt in Illinois

    If you have joint bank accounts and get a judgment entered against you, your creditors can be expected to attempt to garnish them.

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