credit card debt letter from court to reply within 28 days no court date was set i'm in Ohio what can happen?

Answer 1

If you don't reply, you'll have a default judgment against you. Once they have a judgment, they can garnish your wages, go after your assets, bank accounts, vehicles, etc.

Your best bet at this point is to contact the creditor and try to work out some sort of arrangement to repay the debt. That would be much better for you then a judgment. If you can work something out with them, you may not end up in court. However, you may have let this go too far and they may not be too willing to work out much of a deal with you.

Answer 2

This means you have been sued. You owe them some money. So that means that letter is a "complaint". You must file an "answer" disputing the debt within the 28 days. If you fail to do so, opposing counsel will motion for a default judgment. Once they have judgment they can do all kinds of things to you, like file liens on your propert, garnish wages, bank levy. Etc.

Once your file your "answer" than the case goes into whats called "discovery". All kinds of things happen, your attorney and his attorney can cut deals if it doesnt work and you cant come to a conclusion that satisfies both parties you will end up going to trial.

Since this would probably end up being more costly than just paying the bill, my best advise to you is to contact opposing counsel and try and cut a deal.