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Originally Posted by Kris
I don't have time (right now) to read and learn everything I need to. I got issued a summons by a creditor or court (I don't know how it all works yet).. It was based on a real debt, but it has changed hands so many times now (attorney's for collectors) that I don't actually know who REALLY owns the debt rights.
Anyway, I need to know what to do right now. and what to expect. I have had the summons since Sunday (they ruined a perfectly good Father's Day). I have 28 more days left to respond in writing, but I don't know what to say, how to say it or who to say it to?
I'm past the collection agency letters. I unknowingly threw them all away, so I don't have any proof of anything, and the debt was a credit card.
Do I write to the Court, to the Plantiff' attornyes? both, neither? what do I write?
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First of all what do you mean it is a "real debt"? What kind of obligation are you talking about? Is it secured by some kind of real property?
Secondly, what did you do that you stopped paying?
I may have a letter that may be able to help you.