This card had not been used for two years, but every month they tack on a late charge, a charge for being over the limit. The original debt has probably tripled due to these charges. My granddaughter is the owner of this card and has been out of work, had a baby, and is married to an idiot. She has not been able to work (only one car). I sure would like to know what is going to transpire. She has a court date in Sept. THANKX
2006-06-21 04:46:22 · 9 answers · asked by Anonymous in Business & Finance ➔ Personal Finance
The card company is gonna win! If they weren't they wouldn't hire liars err lawyers to sue them. What they should've did was cancell the card! Sorry good luck!
http://www.total-knowledge.com/~willyblues/
2006-06-21 04:52:19 · answer #1 · answered by Anonymous · 1⤊ 0⤋
In Florida : The judge looks at the paperwork and decides what monthly paymnet you will have to make to the credit card company. My friend did not show up on time, traffic tye-up, and the judge made the judgement for $50 a month, the bill was about $3 grand.
2006-06-21 04:53:10 · answer #2 · answered by lsnelson50 1 · 0⤊ 0⤋
I wish you all the best, but the way the credit cards work is you agreee to the bank's terms of service when you use their card. Therefore, you agree to be subject to late charges, to be subject to interest rates charged, and to pay off the debt to the credit company. Looks to me like the credit card company would have the proper paperwork and all the needed arguments on its case.
If the charges to the credit card were not done by her, she might file an unauthorized use lawsuit.
2006-06-21 04:50:05 · answer #3 · answered by Anonymous · 0⤊ 0⤋
Given that she "stopped using the card" two years ago...including stopped paying...after it was maxed out....does not bode well...The Court will probably allow the creditor to garnish hubby's wages (35% of pay) until the Judgment is paid.
Her best bet is to convince the judge to lower the amount, given that the balance has increased due to over-the-limit fees.
She needs to bring a detailed budget to demonstrate her inability to honor the debt in full.....And, propose a payment schedule that she will pay...If she doesn't show good faith....the Judge will give the creditor what he's asking for.
2006-06-21 06:10:41 · answer #4 · answered by Paula M 5 · 0⤊ 0⤋
ought to you look? of direction! If for no different reason you opt to verify the quantity they are claiming to be particular you're no longer being billed unlawful series expenditures and/or different criminal expenditures. the way their "game" works is they'll pad your debt as much as they could wreck out with. in case you're no longer there to contest it, the decide will award it by making use of default. formerly you flow to court docket, report a action for disclosure to work out each and every thing the creditor has. you like a signed settlement and finished accounting of what you're being sued for. do you like a criminal expert? I doubt it. You declare you owe the debt, so which you're maximum in all probability going to lose except you opt to play around with the criminal equipment. Then an lawyer is available in reachable...yet assume to pay $500 (or lots extra) to combat this. If the creditor has it documented wisely, you will lose besides. Be arranged to lose, and function some financial information available to instruct what your income and funds are. in many states, you could request a action for installment money, and that they decide will order the creditor to that that truly of garnishment (25% of your income in maximum states). For now, do a sprint analysis. maximum states have a respectable volume of information on how their court docket regulations are, so do a seek. i won't be able to help you at this factor considering the fact which you probably did no longer supply a state you reside in. sturdy success to you.
2016-10-31 05:57:40 · answer #5 · answered by ? 4 · 0⤊ 0⤋
Dont do bankruptcy. She owes the money legally so she needs to make a payment plan. Perhaps babysit some area kids for money, but there is not way around it. If she can afford a lawyer then she can afford to pay (court's perspective).
Chalk it up as a lesson learned.
2006-06-21 05:50:51 · answer #6 · answered by Ms. Dorsey 3 · 0⤊ 0⤋
Well, she could declare bankruptcy. I'm sure this is the first thing that comes to mind, though, and it may be too late. Time is always a thing when it comes to law and whatnot. I'm not, of course, encouraging that one do this, but if no other options exist...
2006-06-21 04:51:28 · answer #7 · answered by perfectlybaked 7 · 0⤊ 0⤋
She's going to lose. So tell her to file BK before the judgment is placed.
2006-06-21 04:50:18 · answer #8 · answered by Allen 3 · 0⤊ 0⤋
y need agood lawyer
2006-06-21 05:16:19 · answer #9 · answered by Believe in BIODIVERSITY. 3 · 0⤊ 0⤋