I made payments on card during the summer of 2007 when I had a summer job, but after returning to high school, I had no income and no longer made payments. A $700 debt has increased to $2,800 with interest and fees. I have not used the card since that summer when I was 17. I received a summons last week. What do I need to do?
Yes, you can be sued for the unpaid credit card debt. You need to file an answer no later than thirty (30) days after the date that you were served with a copy of the summons and complaint. If you are unsure of how to answer the complaint, then you should give serious consideration to hiring an attorney IMMEDIATELY to assist you. PLEASE DO NOT WAIT!!! Failure to file a timely answer can result in a default judgment against you. Failure to file a legally sufficient answer can result in a summary judgment against you.
Even if you do file an answer, you should also give some thought to contacting the attorney that is representing the credit card company and negotiating a settlement.
~ Kem Eyo
The above answer is a general explanation of legal rights and procedures. It does not constitute legal advice. Nor does it establish an attorney-client relationship between the individual posting the question and the attorney providing the answer.
You should get an attorney to help you with this matter, and see if it can be resolved.
David L Selby, Esq.
The Selby Law Firm, LLC
One North Parkway Square
4200 Northside Parkway, NW
Atlanta, GA 30327
Tel. (404) 365-5694
Fax: (404) 393-6537
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