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Old 07-27-2007, 01:40 AM
hello hello is offline
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Default Recieved a summons for credit card debt, what can I do?

I have read alot of detail forums and comments regarding what I can do. I have recieved a summons (civil case) for a credit card debt. From what I have read, you can response to the summons that you are defending it. From there, I can send a letter to have them provide proof that the debt (or file Discovery) is mine to the collectors. If they can not provide proof, I can get the case dismissed. Is this true?
From collection agency that bought my debt from the credit card company. Better to file bankruptcy or try to have them provide validication to the debt with documents. If all fails, then fail bankruptcy? What is the best thing to do first?
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Old 07-27-2007, 01:40 AM
kitkool kitkool is offline
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In order for the case to go as far as Civil Action creditors must or at least should have been sending you notices about this debt for some time. At this point it's best to consult a lawyer or even talk to a bankruptcy lawyer to see what your options are (Not that you actually have to claim bankruptcy). Usually once it goes to civil court it very quickly gets processed and a judgment will be rendered. Good Luck.
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