Rani Kay Sampson's Answers

I had someone show up at my door with papers summoning me to court for a credit card debt. What should I do?

Mr. Alexander is correct. You may want to hire an attorney who helps debtors before you answer interrogatories. A court will require you to answer their questions - unless you file for bankruptcy (special rules apply. See a lawyer). Almost always, credit card companies will add their legal costs to the amount you owe. If you answer their interrogatories, they will save the expense of sending a lawyer to court to question you. However, the sooner you answer their interrogatories (or...

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Can a credit card company garnish my wages if I am making consistant payments of less than the minimum payment every month.

The creditor must take you to court and get a judgment before it can garnish your wages. If you are paying less than the minimum every month, they have a basis to take you to court. Consult a bankruptcy attorney or visit King County Bar Association's Debt Clinic to find better solutions to your financial difficulties.

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How do you file and serve a Notice of Appearance for King Co District Court?

You have 20 calendar days to respond with a formal answer. A simple fax to the plaintiff's lawyer is not sufficient and may be harmful to your case. Consult with your lawyer later this week when he or she returns.

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Statue of limitation on a debt?

The statute might be six (6) years in your case. Credit card agreements are written agreements for an "open account" between the parties. Because the agreement is written, Washington Courts should allow the creditor's claim against you. Contact a lawyer to evaluate your case for you. Often, debtors save money by dealing with the judgment sooner, rather than later. See if a lawyer can negotiate a "satisfaction and release" for you before the creditor takes you to court.

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How can I get my name off the mortage loan?

Talk to a lawyer. You will probably need a court order to get what you want. If you can't afford a family law attorney or real estate attorney (use Avvo to find one), you may be able to qualify for free legal aid. If you think you qualify for free legal aid, call 1-888-201-1014 weekdays from 9:15 a.m. until 12:15 p.m. CLEAR works with a language line to provide interpreters as needed at no cost to callers.

What is the statue of limitations for a debt to attorney?

Judgments are enforceable for ten years in Washington. Creditors may request and obtain a ten-year extension of the judgment. You should find out whether your judgment expired in 2007 or if it has been extended to 2017. You can go to the courthouse that issued the original judgment to find out; or, you can ask your creditor to provide proof that the judgment is still enforceable. You can save a lot of time if you can pay a lawyer to determine the answer for you.