Warrant in debt?

Submitted by Anonymous (not verified) on Wed, 09/09/2009 - 12:03
Forums
Credit repair

I have to appear in court for a warrant in debt from USA DISCOUNTERS.... What do I bring to show that I am going through financial difficulties and unable to pay them? Does the judge ever dismissed the case under circumstances that you are unable to pay and that your pay have been cutt drastically and you only being in 89 dollars to support you and your 3 kids? Help!

Sarah_123 (not verified)

Hi mdc,

I understand that you are in a difficult situation. But do not lose hope and definitely appear in the court on the given date, otherwise the credit card company, that is USA Discounters will win the case by default. So never commit that mistake. If possible talk to the credit card company and try to negotiate a payment plan or an out of court settlement plan.

If this is not possible then you have a last option in the form of bankruptcy. File a bankruptcy stating your condition clearly to the court. Before filing for bankruptcy it is important for you to decide whether you will opt for chapter 7 or you will go with chapter 13? If you go with chapter 7, then you will be filing a bankruptcy yourself and if you select chapter 13, then a lawyer will do it on your behalf. It is always advisable to hire a lawyer to help you with the legal proceedings.

All the Best :)
Sarah

Thu, 09/10/2009 - 10:35 Permalink
goodnatured

Yes, definately make sure that you show up, you can then explain yourself to the judge and maybe then the creditor will be descent enough to make a payment plan that you can award.

If you don't show up they win by default and if they don't show up then you win by default. But keep in mind that any decision in the court system is appealable. So if they win you can appeal but they have that same liberty if you win.

goodluck

Thu, 09/10/2009 - 11:04 Permalink
fireyone

I wonder when a case like this goes to court if the judge ever denies the collector all those astronomical fees they add. A person can try to make arrangements but a lot of companies still continue to add over the limit and late fees causing a person to spiral down hill and not be able to catch up. If a person shows they made efforts to resolve the problem and all the extra fees skyrocketed the bill can a judge get those fees removed?

Thu, 09/10/2009 - 20:25 Permalink
clarisonic uk (not verified)

Thanks again for the post.Much thanks again.clarisonic mia Cool.

Mon, 11/12/2012 - 04:03 Permalink