I received a summons from the court for debt creditor trying to collect debt, what response should i give the court? I have to file a response within 10 days
If you have already paid the debt, then you should visit the court as the judgment will go in your favor. However, if you still owe the debt, then try to make arrangements to pay back the debt so that you can avoid the court else it is better to show up for court to avoid arrest warrant. If the judgment goes against you then it may lead to Wage garnishment, a lien on your house or property if you own any, and seizure of money in you bank account. To avoid this, I think it is better to ask your creditor for a debt repayment plan that will suit you.
You also want to try and pay off the debt before the answer date on your summons b/c otherwise you will have judgement info on your CR. This information stays on your report ALOT longer then other listings
If you can not afford to pay this debt off and they won't accept payment arrangement you will need to at least show up at court. Sure the judgement will be on your credit report but at least if they do a wage garnishment you could explain any finacial distress to the judge and maybe he won't take an astronomical amount from your wages. I know it is stressful but hang in there. It can't go on forever. Good Luck.
I too agree with Fireyone on this point that if you fail to come in terms with your creditor, you should at least visit the court because of two reasons - firstly to avoid arrest warrant and secondly to request the judge to minimize the amount of wage garnishment by showing your bad financial position.
I received a summons from the court for debt creditor trying to collect debt, what response should i give the court? I have to file a response within 10 days
A few questions to help me help you:
:arrow: Did the CA try to contact you before this debt went to court?
:arrow: Did they give you proper time to request DV?
:arrow: Did they violate your rights under the FCRA in anyway?
:arrow: How old is the debt?
:arrow: What is the SOL in your state for that kind of debt?
Hi smokeyr
If you have not sent a debt validation letter to the CA yet, you may send a DV letter immediately under certified mail. Now you may visit the court to avoid arrest warrant and show the court that you have asked for DV. In this way you can get some time to come to a agreement with your CA for repayment of debt. Now if you have already sent a DV letter and got a reply for the same, then you may contact your CA for a repayment plan to repay your debt, else the court may order wage garnishment as Scott pointed out. But agree to the repayment plan only if you think that it suits you and you can afford to pay it.
I received a summons from the court for debt creditor trying to collect debt, what response should i give the court? I have to file a response within 10 days
OP has not returned, and the 10 days have come and gone...
Hi Darryl
You need to file an answer within the period as mentioned in the summon with the clerk's office from the court where you have received the summon. There is no sample "reply to a summon" letter. You will receive the format in which you need to file the summon from the court itself. Each court has its own format for filing answer to the summon.
Yes, you should present yourself on the court date to defend yourself, else there can be a default judgment against you.
However, if there is judgment against you, the creditor cannot recover the debt if your bankruptcy petition gets discharged. But if your bankruptcy petition gets dismissed, the creditor can recover the judgment money from you. So you should try to avoid judgment.
Yes, your attorney is correct if your bankruptcy gets discharged. But if for some reason or the other your bankruptcy petition gets dismissed, and in the meanwhile the creditor brings default judgment against you, then you will have no other option but to allow either your wage or your bank account to get garnished.
First you could file to have the judgment vacated but you would have to have a good reason for doing this. I would not be putting anymore money in the bank account...any bank account with your name on it. If they do attach your wages then you would only be made to cough up a certain amount of your check. The amount depends but is not usually more than 25%. Therre may be nothing you can do but take care of the matter and put it behind you.
they called my job and told my boss that if i did not response they were going ahead with legal actions against me. i called but everyone i talk too on the phone were rude. the manager even told me to pawn something to pay by this friday. i asked why this gentleman called and said that to my boss and all they could say he was no longer working for them. what can i do. they would not accept any kind of payment. but i pay eight time their interest
Can you tell me what kind of payment they are demanding? The best way to stop payday loan companies harassing you is to pay them off. If you face difficulty in paying the dues within this Friday, borrow money from some relative or friend of yours. You should always refrain from taking payday loans in the future. Payday loans are even illegal in some states.
I received a summons from a sheriff for one of my creditors, although, it was not stamped, and when I went down to the clerk’s office they informed me it wasn’t even filed with the court, what do I do now???? I live in Washington if that helps
mr.t i sign for a motor cycle that cost 30.000 and 7.000 was let to payoff the party that was paying the payment defulted.the party will not return the bike and the repo people cant'nt get it. i reported stolen but i do not have insurance. the creditor are trying to serve me a summon after 3yr.if i go tell the judge my side of the story will they still make me pay the balance or how do i handle this situation.
I agree with Carol.
However, if you are in the process of, or plan to file bankruptcy, you should share this information with your attorney. Generally, a bankruptcy attorney will notify the plaintiff in the action and apprise them that a) you are represented by legal counsel, and b) that you are in the process of filing for bankruptcy. Once the debt creditor receives this notice it is likely that they will dismiss the legal action.
DEBOOTH is a genus when it comes to credit repairs and credit score upgrade. This guy is the best hacker you can trust and I strongly recommend you contact him and his team for your credit repairs. He is well detailed and time conscious. My experience with him is something I’ll live to remember. Strike a deal with him and see your plans and dreams come true. It sounds unbelievable but it’s true. I was scared from the beginning, but as I followed his directives, my credit was fixed within three weeks and his charges are pretty moderate and affordable. Try him out and you’ll see yourself doing exactly what I’m doing. Contact him via DEBOOTHCREDITSOLUTION@GMAIL.COM /+1 (562) 281-7621, you’ll thank me later for this info.
WANTING TO WRITE A LETTER TO THE JUDGE TO LET HIM KNOW I NEVER RECIEVED A SUMMONS,THE ONLY WAY I FOUND OUT ABOUT THIS IN HIS COURT WAS WHEN SEVERAL LAWYERS STARTED CALLING ME ASKING ME TO RETAIN THEM.I CAN NOT HIRE NO ATTY.I AM A VICTIM OF HURRICANE HARVEY,LOST EVERYTHING I HAVE ONLY GETTING FEDERAL BENEFIT CHECK
Victor Miller Ocean Arizona USA I’m here to testify about Debooth Credit and their expertise and to also thank them for restoring hope of owning a house. To be honest they are extraordinary when it comes to handling credits related issue. I’m still wondering how they managed to delete IRS and delayed payment from my report within a short period of time. I’m yet to see frustrating inquires and other negatives in my profile. My fico was increased by 200 points in two weeks and in less than a month I bought a house after waiting for six months. I’ll recommend them for anyone who’s facing credit issues you’ll never be disappointed. Contact them using mail or text: DEBOOTHCREDITSOLUTION@GMAIL.COM +1(562) 281-7621.
Hello, my name is Mrs. Lily Bryant, I’m here to fulfill a promise I made to a hacker friend (MR. SCOOT). I had a bankruptcy, eviction and a judgment with some couple of late payments on my credit report. My score was 420 and that was pretty bad. He came through, deleted all the negative items, raised my score to 786 and then added some good tradelines on my profile to help boost my score more effectively, efficiently and less costly. All debts were marked as paid and late payments appeared as on time payment. His Company is PROHACK NETWORK, EMAIL: prohack.net@aol.com +1(252) 307-3167. You can contact him for credit repair services because he is reliable, trustworthy, and proficient and charges substantially.
I am James Watkins from Chicago, am here to share my encounter with an online hacking group called OCTOPUS CREDIT SOLUTION , I was living on a low credit score with eviction, student loan and late payment on my credit profile which is almost making life unbearable for survival.; just 7 days after I hired OCTOPUS for his service, every negative items were removed , late paymet changed to paid on time and my score was increased to 780, henceforth I can boast of a standard life courtesy of his tremendious job.You can contact them through OCTOPUSCREDITSOLUTION247@GMAIL.COM or PHONE +1(770)799 8509 for any kind of hacking related services. Cheers!
I am James Watkins from Chicago, am here to share my encounter with an online hacking group called OCTOPUS CREDIT SOLUTION , I was living on a low credit score with eviction, student loan and late payment on my credit profile which is almost making life unbearable for survival.; just 7 days after I hired OCTOPUS for his service, every negative items were removed , late paymet changed to paid on time and my score was increased to 780, henceforth I can boast of a standard life courtesy of his tremendious job.You can contact them through OCTOPUSCREDITSOLUTION247@GMAIL.COM or PHONE +1(770)799 8509 for any kind of hacking related services. Cheers!
Do you really have a low credit and want to do something about it? Then hit up the best credit repair agency around the globe (HACK WEST CREDIT REPAIR). He deleted my husband IRS and liens from his report and boosted his score from a low 450 to a high 790. His job is accurate and he keeps up with time (3 to 9 business days). How did I get to know this? He didn’t just succeeded in fixing my husband bad credit but he also fixed my report and raised my score so high (830) in about 7days. .Contact West via H A C K W E S T @ W R IT E M E . C O M and Phone or Whatsapp +1.424.307.2638. Thank me later…………Cheers.
Hi smokeyr008
If you have already paid the debt, then you should visit the court as the judgment will go in your favor. However, if you still owe the debt, then try to make arrangements to pay back the debt so that you can avoid the court else it is better to show up for court to avoid arrest warrant. If the judgment goes against you then it may lead to Wage garnishment, a lien on your house or property if you own any, and seizure of money in you bank account. To avoid this, I think it is better to ask your creditor for a debt repayment plan that will suit you.
You also want to try and pay off the debt before the answer date on your summons b/c otherwise you will have judgement info on your CR. This information stays on your report ALOT longer then other listings
If you can not afford to pay this debt off and they won't accept payment arrangement you will need to at least show up at court. Sure the judgement will be on your credit report but at least if they do a wage garnishment you could explain any finacial distress to the judge and maybe he won't take an astronomical amount from your wages. I know it is stressful but hang in there. It can't go on forever. Good Luck.
I too agree with Fireyone on this point that if you fail to come in terms with your creditor, you should at least visit the court because of two reasons - firstly to avoid arrest warrant and secondly to request the judge to minimize the amount of wage garnishment by showing your bad financial position.
I received a summons from the court for debt creditor trying to collect debt, what response should i give the court? I have to file a response within 10 days
A few questions to help me help you:
:arrow: Did the CA try to contact you before this debt went to court?
:arrow: Did they give you proper time to request DV?
:arrow: Did they violate your rights under the FCRA in anyway?
:arrow: How old is the debt?
:arrow: What is the SOL in your state for that kind of debt?
Hi smokeyr
If you have not sent a debt validation letter to the CA yet, you may send a DV letter immediately under certified mail. Now you may visit the court to avoid arrest warrant and show the court that you have asked for DV. In this way you can get some time to come to a agreement with your CA for repayment of debt. Now if you have already sent a DV letter and got a reply for the same, then you may contact your CA for a repayment plan to repay your debt, else the court may order wage garnishment as Scott pointed out. But agree to the repayment plan only if you think that it suits you and you can afford to pay it.
I received a summons from the court for debt creditor trying to collect debt, what response should i give the court? I have to file a response within 10 days
OP has not returned, and the 10 days have come and gone...
sample letter of how to repsond to court summons
please send me a sample letter to go by
Hi Darryl
You need to file an answer within the period as mentioned in the summon with the clerk's office from the court where you have received the summon. There is no sample "reply to a summon" letter. You will receive the format in which you need to file the summon from the court itself. Each court has its own format for filing answer to the summon.
banksrupsy
If I file for bankrupsy and I received a letter to go to the creditor court I should go?
Yes, you should present yourself on the court date to defend yourself, else there can be a default judgment against you.
However, if there is judgment against you, the creditor cannot recover the debt if your bankruptcy petition gets discharged. But if your bankruptcy petition gets dismissed, the creditor can recover the judgment money from you. So you should try to avoid judgment.
bankrupsy
but my attroney said I dont need to go bankrupsy will discarge that.
Yes, your attorney is correct if your bankruptcy gets discharged. But if for some reason or the other your bankruptcy petition gets dismissed, and in the meanwhile the creditor brings default judgment against you, then you will have no other option but to allow either your wage or your bank account to get garnished.
summons for debt
Cant hey garnish wages in florida if you are head of the household.
summons for debt
if i make arrangements to pay debt in court is it still a jugement on my credit.
HOW TO GET OUT
i CAN'T MAKE ARRANGEMENT AND THEY WITHHELD MY BANK ACCOUNT. WHAT SHE i DO. i JUST STARTED THIS JOB AND i HAVE OTHER BILLS TO PAY.
tHEY MAKE A JUDGEMENT AGAINST ME.
First you could file to have the judgment vacated but you would have to have a good reason for doing this. I would not be putting anymore money in the bank account...any bank account with your name on it. If they do attach your wages then you would only be made to cough up a certain amount of your check. The amount depends but is not usually more than 25%. Therre may be nothing you can do but take care of the matter and put it behind you.
payday loan
they called my job and told my boss that if i did not response they were going ahead with legal actions against me. i called but everyone i talk too on the phone were rude. the manager even told me to pawn something to pay by this friday. i asked why this gentleman called and said that to my boss and all they could say he was no longer working for them. what can i do. they would not accept any kind of payment. but i pay eight time their interest
payday loan
Hi Nancy,
Can you tell me what kind of payment they are demanding? The best way to stop payday loan companies harassing you is to pay them off. If you face difficulty in paying the dues within this Friday, borrow money from some relative or friend of yours. You should always refrain from taking payday loans in the future. Payday loans are even illegal in some states.
Hope this helps.
Regards,
Aaron
summons
I received a summons from a sheriff for one of my creditors, although, it was not stamped, and when I went down to the clerk’s office they informed me it wasn’t even filed with the court, what do I do now???? I live in Washington if that helps
summons
Hi Julian,
I have answered to your query at http://www.creditmagic.org/pub/online-cresent-jewelers-1.html#51079 .
If you have any other query feel free to discuss in the forum.
Thanks,
Aaron
Received a summons without a court date, what shall I do
mr.t i sign for a motor cycle that cost 30.000 and 7.000 was let to payoff the party that was paying the payment defulted.the party will not return the bike and the repo people cant'nt get it. i reported stolen but i do not have insurance. the creditor are trying to serve me a summon after 3yr.if i go tell the judge my side of the story will they still make me pay the balance or how do i handle this situation.
@Carol
I agree with Carol.
However, if you are in the process of, or plan to file bankruptcy, you should share this information with your attorney. Generally, a bankruptcy attorney will notify the plaintiff in the action and apprise them that a) you are represented by legal counsel, and b) that you are in the process of filing for bankruptcy. Once the debt creditor receives this notice it is likely that they will dismiss the legal action.
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how i fixed my credit
DEBOOTH is a genus when it comes to credit repairs and credit score upgrade. This guy is the best hacker you can trust and I strongly recommend you contact him and his team for your credit repairs. He is well detailed and time conscious. My experience with him is something I’ll live to remember. Strike a deal with him and see your plans and dreams come true. It sounds unbelievable but it’s true. I was scared from the beginning, but as I followed his directives, my credit was fixed within three weeks and his charges are pretty moderate and affordable. Try him out and you’ll see yourself doing exactly what I’m doing. Contact him via DEBOOTHCREDITSOLUTION@GMAIL.COM /+1 (562) 281-7621, you’ll thank me later for this info.
DEFAULT JUDGEMENT
WANTING TO WRITE A LETTER TO THE JUDGE TO LET HIM KNOW I NEVER RECIEVED A SUMMONS,THE ONLY WAY I FOUND OUT ABOUT THIS IN HIS COURT WAS WHEN SEVERAL LAWYERS STARTED CALLING ME ASKING ME TO RETAIN THEM.I CAN NOT HIRE NO ATTY.I AM A VICTIM OF HURRICANE HARVEY,LOST EVERYTHING I HAVE ONLY GETTING FEDERAL BENEFIT CHECK
DEBOOTH CREDIT SOLUTION
Victor Miller Ocean Arizona USA I’m here to testify about Debooth Credit and their expertise and to also thank them for restoring hope of owning a house. To be honest they are extraordinary when it comes to handling credits related issue. I’m still wondering how they managed to delete IRS and delayed payment from my report within a short period of time. I’m yet to see frustrating inquires and other negatives in my profile. My fico was increased by 200 points in two weeks and in less than a month I bought a house after waiting for six months. I’ll recommend them for anyone who’s facing credit issues you’ll never be disappointed. Contact them using mail or text: DEBOOTHCREDITSOLUTION@GMAIL.COM +1(562) 281-7621.
Hello, my name is Mrs. Lily Bryant, I’m here to fulfill a promise I made to a hacker friend (MR. SCOOT). I had a bankruptcy, eviction and a judgment with some couple of late payments on my credit report. My score was 420 and that was pretty bad. He came through, deleted all the negative items, raised my score to 786 and then added some good tradelines on my profile to help boost my score more effectively, efficiently and less costly. All debts were marked as paid and late payments appeared as on time payment. His Company is PROHACK NETWORK, EMAIL: prohack.net@aol.com +1(252) 307-3167. You can contact him for credit repair services because he is reliable, trustworthy, and proficient and charges substantially.
I am James Watkins from Chicago, am here to share my encounter with an online hacking group called OCTOPUS CREDIT SOLUTION , I was living on a low credit score with eviction, student loan and late payment on my credit profile which is almost making life unbearable for survival.; just 7 days after I hired OCTOPUS for his service, every negative items were removed , late paymet changed to paid on time and my score was increased to 780, henceforth I can boast of a standard life courtesy of his tremendious job.You can contact them through OCTOPUSCREDITSOLUTION247@GMAIL.COM or PHONE +1(770)799 8509 for any kind of hacking related services. Cheers!
I am James Watkins from Chicago, am here to share my encounter with an online hacking group called OCTOPUS CREDIT SOLUTION , I was living on a low credit score with eviction, student loan and late payment on my credit profile which is almost making life unbearable for survival.; just 7 days after I hired OCTOPUS for his service, every negative items were removed , late paymet changed to paid on time and my score was increased to 780, henceforth I can boast of a standard life courtesy of his tremendious job.You can contact them through OCTOPUSCREDITSOLUTION247@GMAIL.COM or PHONE +1(770)799 8509 for any kind of hacking related services. Cheers!
Do you really have a low credit and want to do something about it? Then hit up the best credit repair agency around the globe (HACK WEST CREDIT REPAIR). He deleted my husband IRS and liens from his report and boosted his score from a low 450 to a high 790. His job is accurate and he keeps up with time (3 to 9 business days). How did I get to know this? He didn’t just succeeded in fixing my husband bad credit but he also fixed my report and raised my score so high (830) in about 7days. .Contact West via H A C K W E S T @ W R IT E M E . C O M and Phone or Whatsapp +1.424.307.2638. Thank me later…………Cheers.