Can a loan company take you to civil court, can I go to jail for not showing up?
4 attorney answers
Regional Finance can take you to civil court. Generally they file a claim and delivery action to recover the collateral you may have put up for the loan. if you do not show up, they can get a default judgment against you or a writ where they can come pick up the collateral. You should definitely appear at any hearing just to protect your rights. Also, if Regional has been calling you to collect a debt, you may have a claim against them under South Carolina law.
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You cannot go to jail for non-appearance at the court trial. However, if the plaintiff seeks a post-judgment court order compelling you to appear to answer financial questions about your assets, etc. and you fail to appear in that proceeding, it may be possible that the court will treat your no-show as "contempt of court" and issue a bench warrant for your arrest. Talk to a SC lawyer to see if this outcome is possible in your state. That can and does happen in CA where I practice.
yes. They can file a complaint for breach of contract. This is a civil matter and not criminal. If you do not appear they get a judgment in their favor. You do not go to jail. They have to try to find assets to attach to satisfy the debt. If you have none you may be judgment proof. You need to figure out whether you need to try to settle with them to protect assets or get evaluated by an attorney for possible bankruptcy protection under chapter 13 or chapter 7