Summons for debt collection?

Question

i received a summons from the county court for debt collection. The debt amt is inncorrect. Should my response include the correct amt. for the debt?
thank you

Answer 1

You have to be very careful what you put in your answer. Anything you put in here that acknowledges the debt will be used against you if you ever try to say the debt is incorrect. Basically don't admit to anything in your answer.

Before you respond you should verify if it still collectable or has the Statute of Limitations expired. The statute of limitations start from the date of last activity, most of the time this is the month you first went delinquent. Based on your state and the type of debt the Statute of Limitations is anywhere from 3 to 6 years, this is NOT the same as the length of time for being reported on your Credit Report. If they file after the SOL has expired the suit will be thrown out.

If the SOL has not expired then be as general as possible in your answer. If you don't think you owe the debt at all then put that in. If you think you owe less, just say that the amount is incorrect and you need to see all agrements as well as the interest and fees charged. Don't tell them something like you don't owe $2000 dollars but only owe $1800 dollars. If you do they will probably have a judgement against you for $1800 dollars and that will be it.

Answer 2

If you can't afford a lawyer, or it's not worth the cost, answer with your allegations. But be aware that when you do, you will admit to the court that you do owe them X dollars and they will persue you for this. Include [copies of] all the proof you have in your answer, and bring originals to court.

Be aware of the following:

The lawyer for the creditor does not expect you to show up.
The judge will be prejudiced towards the creditor. So bring good proof.
Likely the case will be continued if you put up resistance, so that could give you time to settle it. Judgments really trash your credit.

Answer 3

yes but the debt amount++ any court fees may be added onto the balance now owed . take all bills that pertain to the collections with you along with pay stubs or propof of income opps proof of income , the company can place a freeze on your bank acount but they canot put a freeze on it if your income is ssi , ssa , etc . my mom just went through this because her account was froze and she was on disability , the court made the company unfreeze her account , also , was oredered to pay any fees she aquired because the freeze , and her acount with the compoany is now filed with the courts as paid in full

Answer 4

I too received a summons from the credit union with the wrong amount, the amount plus interest, so call them and ask what you actually owe and what the interest and legal fee's are. Good luck, when I called my credit union they told me that even if I pay them every month, they are still going to sue me, so I'm not sending them anything.

Answer 5

no, however the sequence company has probable positioned a mark against your credit, i wold no longer settle a payoff until i had it in writing that they'd do away with it out of your credit checklist immediatly and deliver you an as much as date version.