
Quoting
Ashley667
My question involves collection proceedings in the State of: IN
My boyfriend just recently filed bankruptcy. Among the things that he filed on were alot of credit cards. Some of those cards had my name on them also. We thought that we had only put me down as a authroized user on them all but come to find out I am actully a joint on some. His bankruptcy attorney told us that we shouldnt worry about anything until his case is discharged esp since I do not have a job. As soon as his case was discharged they immediatly started coming after me. I have gotten all kinds of calls and papers sent to me in the mail stating how much I owe etc.. Today I got served with papers from the court stating that I am to answer the complaint in writing withen twenty days or judgement will be entered against me for what the plaintiff has demanded ( 4,476.00 plus 63.00 interest). It also states that If I deny the demand and or have a claim for relief against the plaintiff I must assert it in my written answer. I guess my main question is .. What can they do?? I do not have a job and have not had one since 2007 when i found out I was pregnant with my daughter. I also do not have any propery or assets other than a pos car this is worth maybe 1500.00 .. Will theu judge make me get a job to pay this debt off?? Or can the judge do that period? What kind of judgement do you think I am facing here? I have no way to make any payments at all at this time. Esp since I was not the one originally making payments on this card in the first place. My boyfriend pays for all of our other bills and our living expenses but he can not afford to pay it either, thats the reason he filled bankruptcy in the first place. What am I supposed to inlclude in my answering letter tothe court ? Do I just tell them I am unemployed and have no means of paying for this debt?? Should I request a copy of the original document I signed saything that I wanted to be on the card with him?? Help please