if i was served papers and didnt show in court am i doomed?

Question

so i think i got served some papers to show in court and i just threw them aside (prbably not my best decision) and now the date has come and gone,

it was for a credit card i had not paid on for many years. is it to late to negotiate with the creditor? or what is my best options and what if the credit card company has already written t off

thanks

Answer 1

They now presumably have a judgment against you, and now have the ability to garnish your wages or other methods to collect the debt. You would have been in a much stronger position before they took you to court, because they had not incurred legal fees at that point. The creditor still is in a situation where something is better than nothing. If you have a lump sum that you can offer them(and make good on), that is probably your strongest offer.

Answer 2

It is never a good idea to disregard court papers. The credit card company probably now has a judgment against you. If 30 days has not passed you can file a motion to vacate the judgment and have a new date set. If 30 days has passed, then you are screwed. If you have a job, the credit card company can have your wages garnished. Now that they have a judgment, the credit card company will probably not want to negotiate with you, but they may. Wouldn't hurt to try. If the credit card company had written it off, they wouldn't have taken you to court. If you do not get the Judgment taken care of, it will cause problems down the road because it will show up on your credit report. Do something about it now. Good luck.

Answer 3

If you failed to appear in court, the litigant automatically gained a judgment against you because you failed to appear to provide a defense or dispute.

You may still negotiate with them, but it will be substantially more difficult since you ignored the legal action.

Answer 4

No, but it may make you look bad - Like you really didn't care