QUESTION
I received a Civil Action Hearing Notice.
Asked on Mar 27th, 2017 on Civil Litigation - Pennsylvania
More details to this question:
The Civil Action is in regards to an old credit card balance. I do not recall ever receiving phone calls or physical mail from the collector. I have lived paycheck to paycheck since the card was opened, often times wondering how I would have enough gas to make it to work or how I would eat. What can I do to not have to go to court.
1 ANSWER
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Old, allegedly delinquent accounts are sold all the time between collection firms. You may not have received any mail/calls from the current "owner" of the account. You MUST respond to the Complaint. don't ignore it. If you do, judgment will be entered against you and they'll start trying to garnish your bank accounts and collect the money. Once a judgment is entered against you, you will no longer have any ability to contest your obligation to pay the debt. Here's a tool that might help you with the process: http://www.palawhelp.org/files/A50D42DC-FCAA-1883-E79C-9619DF2007FA/attachments/09EB28AA-D49F-5CEF-9915-6E9604B098CC/475211English-Creditor-Lawsuits-Handbook.pdf. Good luck!
Answered on Mar 28th, 2017 at 7:16 AM