i just went to civil court for a 765$ credit card i havent paid. they say i owe 1500+$ now. It seems to me to be excessive. the judge asked me today admit or deny. I asked him if i admitted would it lead to a default. He stated thats legal adivce and he cannot tell me. So i chose to deny. WHat steps do i take now? He said a court date will be set for trial if we cannot come to a deal. I believe its past SOL. June 03' is the latest payment or credit to the oaccount. this is very questionable seeing as i stopped paying b4 that i believe. should i submit a letter to asset acceptance llc(people suing me) a leter to validate? i dunno where these excessive fees are comign from and the SOL is questionable. or can lette rto validate only be sent to collection compannes and not lawyers who are now suing me representing citi bank? i have researched tons!!! and need just alittle more gas to keep going.
Please and Thank You!
2006-10-10 06:52:37 · 7 answers · asked by Anonymous in Politics & Government ➔ Law & Ethics
Try this website..... http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#809
it will give you info an your rights. Some companies buy off old debts and charge way to much interest.
2006-10-10 07:05:24 · answer #1 · answered by queenmackerel 5 · 0⤊ 0⤋
If you owe the money, then just plead and pay the f-ing money. If you call one of the debt consolidators they can prevent the calls and set up a reasonable payment schedule. Under no circumstances should you try to "get out" of this debt that you ran up. The "excessive" fees you're referring to are most likely late payment fees ($25-35 per month), over limit fees ($25-30 per month), and interest. It is VERY easy to believe that a $765 bill from June 2003 is now worth $1500+. I'd suggest starting to save your money to pay the bil.
2006-10-10 15:29:04 · answer #2 · answered by Goose&Tonic 6 · 0⤊ 0⤋
The excess fees are legal fees and court costs; the cost of collection calls and letters; the cost of the attorneys for the plaintiff; any filing costs, possibly including cost of court steno. The SOL probably had not run when legal action began, so you can't claim that. Would advise you get a lawyer; most places have a bar association or other referral organization that can help you.
2006-10-10 14:01:45 · answer #3 · answered by HipHopGrandma 7 · 1⤊ 0⤋
If the last payment was June of '03, and you just went to court this week, it may be barred. It will depend on what the initial debt is for, the date they filed the lawsuit, and MOST OF ALL pleading that defense properly.
Stop reading these answers and get a lawyer immediately. The clock is already ticking on your time to answer properly, and raise some Affirmative Defenses.
2006-10-10 14:00:56 · answer #4 · answered by open4one 7 · 0⤊ 0⤋
You are responsible for the fees. they are from interest and sending your balance to collection. Each time it went to a different collection agency you were charged a fee. You need a lawyer if you want to fight it. Your best option is to admit guilt and setup a payment plan. If infact this is your credit card and your original debt.
2006-10-10 13:57:04 · answer #5 · answered by :o) 3 · 2⤊ 0⤋
you better get hol;d of the credit card company and see how much they would take to settle out of court. they do not wanna go to court either because it cost them money too. if you go to court you might end up paying the full amount plus the credit comapny's legall cost also. its always best to try and settle it now. if they will not agree to settle for a lesser amount you gotta think about how much its gonna cost you if you go to court. see a mouth piece to find out how much its gonna cost you and remember the muth piece if crooked will keep it in court for a while to get more money from you.
2006-10-10 14:05:22 · answer #6 · answered by roy40372 6 · 0⤊ 0⤋
Check this website and type in your zip code.
http://www.handelonthelaw.com/
2006-10-10 14:00:10 · answer #7 · answered by Jean R 3 · 1⤊ 0⤋