I've been served a summons for a debt that was bought from bank of america. I have no idea what to do and need some advice. I've never been in this situation and I'm a little scared. This law firm is aweful and I've avoided them at all costs because of the harrassment to me and my family and friends on my behalf. I know I owe some of the debt that they say they have but the fees have become out of control. They mentioned that they have both of my B of A accounts but the summons is only for one of about 6500. Can anyone tell me where to go from here or what to do? I know I have 20 days to respond (which gives me 10 more from today) but don't even know how to do that. They're still calling me demanding that I call them but again I won't let someone talk to me that way that drives me to feeling hopeless and completely nothing.
Thank you in advance!
have you ever sent a DV letter? You must show for court. avoiding is not helping you.
do you have all your credit reports?
what state are you in?
what is the original creditor B of A and the name of the CA?
what is the date of first delinquency? 30 days after last payment
this information will help me make suggestions specific to your case. The state will determine the statue of limitations for this debt. knowing the name of the OC original creditor, will help show if there is a specific govt regulating agency that can help so rt out the truth. Knowing the exact dates is very important too.