I haven't pay my credit card for about 3 months (there's a money matter since i left my last job) & i receive a letter from lawyer firm that asking me to attending to court on this coming June 2006. Im a bit scared now......
208115
Call the credit card company from a pay phone: do not give your number or address.  Try to see if they will accept a monthly payment set up.  Most want your money and would rather get it from you voluntarily, rather than after the court gets involved.
290182
I think you should go to a credit counselor and then a lawyer.  Both will have ideas on what steps to take to get you out of your current difficulties.  Both initial visits should be free.  An friend of mine chose to quit her chapter 13 because she felt the repayment was too high.  You can at least ask about that or maybe making it a chapter 7 so you don't have to worry about it anymore.  You should be able to keep your house and truck.  Really go and investigate.  It can't get much worse I'm sure and at least you will be moving forward.
246303
get a lawyer fast before he ruins your credit
428228
they are just trying to intimidate you. tell them you are going to declare yourself bankrupt. you will find their attitude usually changes. if you go to court they do usually take a lenient view if you can show you have the funds to make the payments.
660928
If the letter was from a court, there is a judgment against you. They may be able to get a court order garnishing your wages or your bank account. They can not take any other property you own, unless they have a court order. Courts do not often order the seizure of non cash assets, If it was not from the court, it most likely was an attempt to scare you into paying.\n\nLook for small print at the bottom. If it says "this is an attempt to collect a debt............" then it is just a collection attempt. \n\nYou still owe the money, and should do everything you can to pay it back. Send the dealer something, even if it is not a full payment, every month. The best way to solve this problem is to pay what you owe.
69455
I'm no expert but do receive. And they have to keep sending as long as there is an appeal in process. I have been in the middle of one for 2 years now and I believe they just don't know what's going on. Didn't you have a lawyer? Good Luck with this, don't roll over to everything they say!! ~:)x
596063
First, they can not automatically take money from your checking account. They will have to sue you in court and have the courts approve wage garnishments. Since I owe a number of credit card companies, all 4 plus years ago, they will never go through that route. That is too much time and additional money (unless you owe them like $100,000 on one card) for a credit card company to sue you. Anyway, if you are able to send any money, write them a letter and let them know you will be sending a certain amount every month. In the letter, also state that as a condition of your monthly payment, they will need to report this to all 3 Credit Bureaus. Then see what happens. In the end you have the last say in if you will or will not payback a credit card company. Of course your credit will suffer, but damn it you are the master of your life.
597991
Have you followed up with your lawyer? That might be faster than firing one and getting another. You could email him some message like 'I know you are really busy, and perhaps I should get my file back.'  However, I'd try just following up first.  Otherwise, ask what he/she thinks you owe them first, or you might find out he/she has incurred time behind the scenes that you will pay for and have nothing to show for.\n\nAlso, if you signed a contract, there might be something in there you need to take into account.
600560
In my state. all the court has to do is mail you a notice.  if you get it or not.\n  bummer.\n\nGood Luck.
393909
Your story is a bit confusing, but, I'll answer based on my personal experience. It is rarely a "bad" idea to have proper legal representation when going into court. Most people are simply not qualified to fully understand court proceedings well enough to competently represent themselves. There is also the emotional factor, which can hinder a person from representing themselves in a concise manner. \n\nMy personal experience with this scenario was a real eye-opener. I naively believed that the judge would be patient and helpful as I struggled to make myself heard. I was wrong. The courts are so overloaded, that most judges have an enormous case load to get through on any given day - and they want to keep things moving along at breakneck speed. They want to hear legal language and concepts, not layperson "stammerings".\n\nYou say you are "so broke", so, I don't understand how you can possibly afford a private practice attorney, especially at this late date. Most private practice attorneys - at least the ones who are worth anything - are so busy that they can't take on new cases on such short notice - and certainly not without a sizeable retainer. Your best bet - and maybe your only one - is to contact Legal Aid in your area and request as quick an appointment as they can give you. You'll have to fill out a bunch of financial forms to see if you even qualify, based on their guidelines. Be prepared with things like paystubs and all court documents.  If they do agree to represent you, take the help. At the very least, you'll receive informed legal advice, which, unless you are a pre-law student, would be pretty tough to come by on your own.\n\n Remember to dress appropriately for court, be incredibly respectful to the Judge, behave with remorse, and, for the most part, unless spoken to directly by the Judge - keep your mouth shut. I made the stupid mistake of letting my emotions get away from me, and, in one instance of speaking while the Judge was speaking, I lost everything. Maybe some judges are tolerant, but, my experience has been that most are not. Good luck to you.
397429
CarCraze --- you are wrong, sorry to say\n\nWhat you have there, my dear, is a bona fide Court Order for you to appear in court to answer to a Motion to Collect a Debt. If it is on Court paper and has a case number, call the Court to confirm the Docket Number, and find out when the hearing date is.\n\n\nYES, they do have that power.\n\nYES, That is the equivalent of a Subpoena.\n\nIf you "just let it ride", as you say, don't be surprised when you open up your paycheck and you find a good chunk of it GONE !\n\nWhat you should do:\n\nSeek legal counsel (get a lawyer) and come up with a manageable payment plan that is both satisfactory to your creditor, and workable for you.\n\nDON'T HESITATE - you will regret it.
652783
If you sue, they are going to argue in court that the time accrues.  They may even bring a more recent version of the handbook with them.  \n\nYou could try sending a demand letter stating that if you have not received all monies due and payable to you pursuant to handbook section #_____ by 00/00/06 you will file in small claims court.  If that does not work, I expect you will have a real fight on your hands.  Good luck.
159398
First let me say DO NOT use a credit counseling service.  They charge extremely high fees and your first payment goes directly to them, NOT your creditors.  Which means by the time they get your payment plan set up, you're another month behind.  Also they don't do anything that you can't do on your own.  They merely call your creditors and request an extension, lower payments, or a lower interest rate.  All things you can accomplish on your own with a telephone and some motivation.\n\nSecond, although it is highly recommended, you do not need an attorney to file bankruptcy.  You can purchase the forms you need at any office supply store.  The cost of filing varies from state to state, but is generally a few hundred dollars ($100-$200).\n\nAn attorney is helpful to explain the laws, your best options, and walk you through the meeting of creditors.\nAny good attorney will also let you make payments on his fees for filing.  \n\nI filed Chapter 7 in 2001 and paid $400 total.  My attorney allowed me to make payments to him in 3 installments.  However he would not file my bankruptcy until the total was paid in full.\n\nIf you do choose to seek out an attorney, interview several before committing.  Good ones should allow for a free consultation and not make you feel ashamed or embarrased.  He/She should speak to you like an adult and educate you on your options without passing judgement.\n\nIn terms of the aftermath of bankruptcy on your credit, most creditors allow you to rebuild your credit almost immediately after the bankruptcy is discharged (about 3 months after you file).  Mortgages companies allow you to qualify for great rates after two years, as long as you have successfully reestablished your good credit.\n\nIf you can get a parttime job to assist you in paying down your debt, I suggest reading these books to determine the best approach to take:\n\nPay It Down by Jean Chatsky\nThe Automatic Millionaire by David Bach\n\nAlso check out the money section of msn.com.  There is great information and advice on the site.\n\nHope this helps!
406348
yes you have...You have know way of knowing how many checks or how much money the companies have paid your lawyers. You will never see all of the checks. They will only show you the checks that they have deducted there 33% from. You have probably been shafted for about 35 to 45 thousand. You need to get another lawyer that you trust. He will have to uncover the case with your other lawyer. This will cost you another 33% but might get you a few thousand dollars. It will be hard to find a lawyer to take on another lawyer!! Sorry, sounds like you should have picked a better attorney!
128441
From what it sounds like yeah you defenitely have a case. i think just threatening them that you'll go to court with it might work. if not try getting free lawyer advice.\nhttp://www.prepaidlegal.com/ check ut this site. It's cheap and my family uses their services. they've been quite good so far
124085
Frank!  Go away!\n\nI agree with the other people's advice...if all you owe is $2000 then it's worth trying to work it out with the credit card company.  Even if it involves making minimum payments.  That would work out to around $60-80 a month.  \n\nBy doing that, you avoid additional fees and penalties, until you can get your feet under you financially.  \n\nThe worst thing?  First they will place a report on your credit, making it hard for you go get loans in the future.  \n\nFor $2000 they may sue you.  If you have an income, or property such as a home or car, they may decide it's worth the effort.  If they do, tack on court costs and lawyer fees to what you owe.\n\nOnce they get a judgement, they can either garnish your wages, attach a lien to your bank accounts, take your car or put a judgement lien on your home (then you can't sell it).  \n\nThey don't go after your furniture or other posessions as nitwit says above.\n\nSo, my opinion, call the CC company and work it out.  If they don't budge, send them a letter to cease and desist so they stop calling you.
18737
I filed for BK about 4 years ago and I got a capitalone card not to long after I got discharged. They give you a card with a low credit limit but this will help you get your credit back on track!