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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