i got summons for a pretrail tomorrow morning.This will be the first time ive done anything to this sort and need a little advice on what to say and do. portfolio recovery bought my debt from GEMB in may of 2013. my debt is $2994.19. im not looking to pay the debt back yet and seeing what my options are.We have started the process of bankruptcy but still debating if that is the best route to go. any advice would be greatly appreciated or if you guys need any more info please let me know!
i got a few pages of docs in the summons letter. of when they bought my debt and what i owe before and after.
Debt Settlement Attorney
The Pre-Trial is tomorrow morning?!?!? I don't know how many times I can post this on Avvo before folks start heeding my words. DO NOT GO TO THAT PRE-TRIAL CONFERENCE WITHOUT A LAWYER. BUT IF YOU MUST GO WITHOUT A LAWYER, DO NOT SAY ANYTHING TO ANYBODY OTHER THAN TO TELL THE JUDGE THE FOLLOWING: "Your Honor, may I please have this PTC reset in 10 to 14 days to allow me time to hire a lawyer?" If the judge asks you ANYTHING, including but not limited to "do you owe this debt?", do NOT say ANYTHING other than: "Your Honor, on the advice of counsel I must respectfully decline to respond to your question." Be firm. Don't be intimidated. Then, after you leave court (or today), immediately begin searching for a lawyer to assist you. Try looking at www.NACA.net under the "Find An Attorney" tab. Please do NOT be sweet-talked into settling this case tomorrow by the Portfolio Recovery attorney.
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Personal Injury Lawyer
I agree with Attorney Castagliuolo's advice. Follow it exactly.
No information provided in response to these questions can be relied upon in any way without further personally consulting with Attorney Kerrigan and Attorney Kerrigan consulting personally with you regarding your specific legal situation.
The joint Pre-Trial Conference and Mediation is a creature of Summary Claims. It only exists in Summary Claims matters to my knowledge and it is designed to move uncontested cases off the County Court Judges calendar in as expedient a manner possible. Obviously I agree which both attorneys who have already offered you sound advise IF YOU intend to follow through and consult with an attorney. If you do not ask for a continuance AND you dispute that you owe the debt, you will not be sent to the Mediator, the case will be set for a trial and if you intend to hire an attorney you need to tell the Court and ask for trial to be set out far enough to find an attorney and give him time to prepare. If you do not intend to hire an attorney and admit you owe the debt, then you will be sent immediately to a Mediator who will generally mediate some type of short repayment plan. As with any Mediation, it is still voluntary in the since that you do not have to agree to anything in which case it will be returned to the Judge to be set for trial.