i have a summons for court on a credit card dept. what do i need to know and do?
93587
First of all, don't panic about this yet.\n\nHow much is the debt?  What state?  Did the file in Small Claims or District Court.\n\nIs the summons even even legit?  Some collection agencies like tosend out prepared copies of the summons to scare you.  You can verify it by simply calling the court and giving the case number that should appear on the summons.  Was the summons legally served?  Was it mailed to you by certified mail/return receipt?  An improper service can get the case tossed out of court.\n\nGenerally you will need to bring any paperwork related to the debt.  Credit Card statements, related bills, etc.\n\nSince I don't know what state you are in let me explain how Michigan works.  Most should be similar.\n\nIf the judge finds that you owe the debt you will have 20 days to pay the debtor.  At that time, the judge will issue a discovery order requiring you to list all of your assets, income, and bank account information.  The debtor will then use this information to collect the debt.\n\nHe can garnish your wages or your bank account.  He can go after any of your property like a car or boat (assuming there are no other liens against it).  \n\nBe prepared to explain your case to the judge.  Tell him the reason for your default, and see if the judge can order a payment plan that fits into your budget.  Be sure to bring a copy of your last paystub and a list of your expenses to support your plea.   \n\nIf you have any evidence of the collector being abusive in his collection attempts, bring that also. \n\nIn one case I counseled, the collector was a total jerk.  The debt was around $3000, and the person was getting threats and calls at work, even after notifying them to stop.\n\nThe collector won his case, but the judge ordered payments of $5 a month.\n\nDo your homework before you go.
958792
Call the credit card company and make sure that your payment was received.
875223
a judgement should have been issued when you won in court. If you're asking how to get her to pay you, you'll have to talk to an attorney to see if you can get it turned over to collections somewhere.
400468
call your credit card company, i'm sure you can get teh number off their website, ask them what you should do.
39403
Look at the summons you received. There should be info on it about how to contact them in the event that you are unable to serve or no longer reside in that state.
270472
Call or goto you local court house.
541049
check with the store first, then call the card company.
1164454
call your local court house for info each state is different\nget the name of the person you speak with in case they give you mis-information\nwrite the time and date too( it proves you did call and frees you from any liability on that part\nalso were they evicted?\narrested?\nabandoned thing also have different guidelines
331425
Call the Courthouse for information.  It is really important to respond to a Summons in a timely fashion.
774735
Most companies don't sue right away for credit card debt; they send it to collection agencies first to try to collect your balance or work out a payment plan.  However, first answerer is correct.  If they do file suit against you, then they must have a summons issued and served on you personally (whether by cert. mail, the sheriff, a process server, etc.), then you have time to answer in the court case.
1054017
First, they can not automatically take money from your checking account. They will have to sue you in court and have the courts approve wage garnishments. Since I owe a number of credit card companies, all 4 plus years ago, they will never go through that route. That is too much time and additional money (unless you owe them like $100,000 on one card) for a credit card company to sue you. Anyway, if you are able to send any money, write them a letter and let them know you will be sending a certain amount every month. In the letter, also state that as a condition of your monthly payment, they will need to report this to all 3 Credit Bureaus. Then see what happens. In the end you have the last say in if you will or will not payback a credit card company. Of course your credit will suffer, but damn it you are the master of your life.
195335
By law, the collection agency must "validate" your debt.  That means that, upon written request, they have 30 days to supply you with copies of contracts, bills, receipts, and anything that was used to calculate the amount that you owe.  If they fail to supply this, they must remove your information from the credit bureau, and must stop bothering you.\n\nYou are about to go to war!  Do NOT fight these guys unarmed!  Knowledge of the law is your only weapon, go read the links below and GET ARMED!  \n\nYou got an easy slam dunk case here.\n\nFrom this point on, keep a log of every call you make/receive regarding your debt, and copies of all letters.  You will need this if you wish to prosecute.\n\nUse the sample letter I supplied below on how to write a request to validate letter.  Send it by certified mail to the collection agent.  \n\nAfter 30 days, if they do not respond, send letters to the credit reporting agencies, along with a copy of your validation letter, and demand that they remove any negative report that is in your file.\n\nIf the collection agency does respond back, and the information is not given or incomplete, send them another letter and demand it again, but this time threaten legal action if they place anything on your history.\n\nJust keep the credit bureau's informed of the problem, and if they don't remove the history hire a lawyer and sue under the \nFair Debt Reporting Act.\n\nI'm going to bet that you don't owe a lot on this, right?  Less then $200?  They won't even bother to sue you.  They will send it back to the original creditor.  It's not worth the time of the Collection Agent to sue you for that small an amount.  The only weapon they have is your credit history, and if you follow my instructions will stop that.\n\nGet armed!  Read the links below!
57805
i would try to do it over the phone or by mail.  if you go in personally to try and pay it they will arrest you.  that's the purpose of a warrant.
1094635
#1) Pull all your reports. Not online, request actual physical copies. They usually contain more than what an online report does. This will give you a start on where you need to go with your reports. Also, keep them. Never toss them. They are proof later on if you need them to refer to if you ever get into a legal situation regarding your credit (lawsuit etc).\n\n#2) Dispute. Dispute anything that is not correct including, balance amounts, lates, etc. If you have only one or two lates, I would call your creditor and see if you can get them removed via goodwill gesture, or send a goodwill letter. You can find some great letters on some of the credit boards like creditnet.com and creditboards.com.\n\n#3.) Collections? If you have any collections on your account or anything that should not be there, send a DV (debt validation) to the creditor asking to prove the debt. If they cannot, they have to remove the debt off of your report by law.\n\n#4.) You have rights - check out http://www.ftc.gov/os/statutes/031224fcra.pdf for more info.\n\n#5.) check out some of the posts on creditnet.com and creditboards.com for assistance. \n\n#6.) If you have no credit, or want a temporary boost - have a family member or really (really, really, really) close friend add you in as an authorized user on their credit cards. Make sure the balances are not high, otherwise this could hurt you more. The higher the available credit, the more your utilization will go down on your report - therefore bumping your score.\n\n#7.) Avoid unnecessary inquiries. Hard pulls can hurt you, so avoid applying for new credit cards until after you buy your home.\n\nThis of course is a shortened version of things you can try. Research info on those links I provided you. You can increase your score spending just a short amount of time per week, sending letters to creditors etc. I increased my score over 100 points in less than 6 months. Depending on your situation, this could take shorter or longer time, but at least you have somewhere to start. Good luck!
808730
a summons is a notice to appear in court. call the clerk of the court and ask them. usually you can just pay the ticket and not go to court. if you're fighting it you have to go of course. and that may cost you more in the long run.
457309
Yes.  What the company that charged off the credit card did, was to sell your contract (account) to the collection agency/attorney that is calling you.  They can take you to court and sue for a judgment against you.  If you own a house they can put a lien on it. They can also demand $35 a week (or the sum the judge says) until the debt is payed off. Or, attach your wages.\n\nYou do have rights regarding their right to call.  You could call your State Attorney General to find out your rights.  (I know, after a while you want to disconnect the phone and except calls from no one.  I found it very depressing.)\n\nThe best thing is to eventually negotiate a settlement with them.  I think it is better to do this before it goes to judgment.  Also, Stay up with the court procedures.  As soon as you get served go to the Court house and fill out the form "Appearance".  I think if you look like a fighter they will be more willing to negotiate to a lower settlement.\n\nI got a lot of help from:\n\nwww.creditinfocenter.com\n\nGood luck!
758398
Call the court clerk. This is likely something that can be taken care of with money through the mail. I know it's embarrassing to call, but don't worry -- for the person on the other end of the call, you will be one of the most responsible people they talk to all day long.