Has anyone ever been sued by the credit card company MBNA or NCO collections?

Question

I am going to court soon, what should I do or say and what should I bring? Is there any chance they will settle, also if I go to court, what are the legal fees they tack onto your account?

Answer 1

Try to settle this amount. You do not want a "public record" on your credit report against you. See if they want to close off this account if you pay a portion of the debt. Give that a try asap. Going to court and getting a judgement against you will hurt you very bad. Good luck.

Answer 2

I don't know if you have filed your answer yet or not

Have you checked your state statute of limitations (SOL) to see if the debt is still within the collecting SOL?
If you haven't - check it. If you are out of the collecting SOL include in your answer an "affirmative defense of SOL".

Go to my profile and click on the link to find the SOL for your state. After you see the SOL for your state, scroll to the bottom of the page to the link to the home page, click on that. Scroll to the bottom of the home page and click on your state. It will list the SOL statutes for your state

Check your credit reports and see if NCO is reporting inaccurately. Check every bit of mail they have sent and see if there are any violations.

If there is any violations on your reports, in their correspondence, you are past the legal collecting SOL - file counterclaims against them.

If you are past the collecting SOL and you make it known to the judge (in a legal manner) the judge will probably dismiss the case.

If you are still within SOL but have counterclaims against them, and they are for more than what you are being sued for, they may drop the suit. If the counterclaims are for less than what you are being sued for, they make a good negotiating tool to lessen the amount they are requesting.

The fees the court may charge are the normal court costs, filing fees etc plus NCO's lawyers fees and possibly pre-judgment/post-judgement interest.
If your counterclaims

Answer 3

i understand somebody who became sued by using hit upon Card (not me, yet somebody very close to to me). What exceeded off became hit upon bought the account after 6-8 months of non-fee to a set corporation (certainly, a team of criminal specialists) who sued the guy in small claims courtroom (I observed the summons) -- the quantity became approximately $4,200. I have been given an lawyer for the guy, and he negotiated a fee plan -- $200/month at 6% interest until the account became paid off. They do sue.