Courts Summons today from a Debt Collector?

Question

I received a courts summons on my door today (but it's date 7/12/07) from a debt collector on a 4 year old account; I was freshman year in college. It was a credit card with a 600 DOLLAR credit limit now they want 1500.
I actually paid about half that although I have no prove. The original company stopped sending me bills, their contact number didn't work, and I have moved about 4 times since then. There's no way I could have got in touch with the company. There's also lots of other complaints on the internet about the original company

Any help towards would be greatly appreciated.

Thanks!

Answer 1

well talk to a lawyer thats all you can do!

GOOD LUCK!!!!!!!

Answer 2

The question will activate a pair of key factors. First, did you sign a settlement? in that case, the statute of barriers on breach of a written settlement is 4 years. except the statute of impediment has expired, the creditor might enforce their therapy in a courtroom of regulation in the event that they %. the shown fact that the unique creditor isn't the plaintiff isn't correct. The successor in interest has an analogous suggestions via fact the unique creditor. one situation which you're able to do is supply to settle. Make an supply of fifty% of what the declare is, assuming you have the skill to pay. What this does is two issues. First, it would supply you a fashion out from below if the creditor accepts, and 2nd, it would supply you a protection referred to as "failure to mitigate damages." What that does is , if a creditor makes no real looking attempt to chop back their damages, a defendant can plead this failure as a protection, and a courtroom can order a non-in shape in an egregious adequate case. What which skill is, you win. the shown fact that the present plaintiff isn't the unique creditor is barely correct if there replaced right into a non assignability clause interior the unique settlement. What which skill is that neither party to the settlement can assign it to a various party without consent of the different party. additionally, be confident that there is not any one else who must be to blame in this declare. in case you borrowed the money for the earnings of yet somebody else, you are able to hold a declare to your fees against that man or woman. additionally, verify the place the case is going to be heard. If the case is being heard someplace different than the place you reside, or the place the settlement replaced into breached, you will have grounds for a collateral attack on a judgment, ought to there be one, in loss of jurisdictioni. the quantity at situation is additionally a element, for the reason that via fact the quantity at situation rises, basically particular sorts of courts will pay attention the case. If its a small declare listening to, its a lay persons courtroom and neither party may be represented by using information. finally, you are able to evaluate a financial disaster 7 submitting, to erase the debt by using operation of regulation. reckoning on how a great number of the declare is correct and how plenty is interest, there may be a cap on how plenty interest a litigant can declare without judgment from a courtroom of everyday jurisdiction. stable success, i'm hoping this helps.

Answer 3

You should contact the collection agency and try to work out a settlement. The fact that you didn't get statements means nothing. You knew you had a balance and didn't bother to contact them. Four years later, interest, late fees, and over limit fees, probably some legal fees too, and you now owe $1500.

In any case, be sure to show up in court. Often collection agencies will tell you not to bother, then they go and get a default judgment.

Answer 4

most of that is interest. Check your credit on freecreditrepot.com and you should see the actual balance you owe without all the interest.

Answer 5

You could try to contact the credit agency (experian, etc.) and dispute it through them. You tell them your situation and they do the leg-work to try to resolve it.