I'm trying to find out the cost of answering a civil summons from discover card in the amount of 7200.00? I'm a single mom. I do own a home with a mortgage that I'm paying & I have 1 car that I'm also making payments on. I have 2 kids & I'm living paycheck to paycheck & I'm hardly keeping my head above water. Some times I'm fighting just to put groceries in the fridge & that's after paying the basic utilities. I dont have any extras at home such as cable or wifi or even trash pickup. Despite this I'm trying to figure out my best course of action. I'm scared they can take my car or my home or simply freeze my bank accounts. If I answer how much is the filing fee to do so? Also if they win the judgment does the court set how much I pay back or is it simply what I can afford each month? I've never been in this situation before. Unfortunately a 4 car pileup resulted in the loss of my paid off car, missed time from work & medical Bill's I cant afford. I do have a lawyer for that, but that's been going on since april of 2017. Then my youngest child has 4 different doctors that he sees weekly for different health reasons & his deductibles are killing me. I just need answers
There could be a much better and more cost effective alternative. Depending on your overall financial situation, Bankruptcy may be right for you. An experienced NC Bankruptcy attorney will be able to determine which type of Bankruptcy, if any is the correct one for you. Use AVVO's Find a Lawyer tool to select a qualified attorney. Good luck. THIS IS NOT LEGAL ADVICE! YOU NEED TO SPEAK TO AN ATTORNEY WHO IS LICENSED IN YOUR STATE FOR LEGAL ADVICE. This is merely suggestions for you to think about in discussing your situation with the local attorney.
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There's no filing fee for filing a response to the complaint. However litigating and defending against the suit could end up being pretty expensive and it would be cheaper to file a ch7 bankruptcy. Whether that's the right step for you depends on your overall financial situation and can be determined by having a consultation with a local bankruptcy attorney or two.
If discover gets a judgment they can put a lien on your home and levy against your bank account. We don't have wage garnishment in NC. The court will not set up a payment plan though you might be able to make payment arrangements but don't expect them to be what you feel you can afford. They probably won't take your car but they could clean out your bank account. I strongly suggest you call some bankruptcy attorneys on Monday.
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Bankruptcy may be helpful if you have other debts you can't pay in addition to the Discover bill. A bankruptcy stops the Discover case and can discharge (excuse) the debt. Otherwise, you can surf the web for information about how to handle a small claims defense without a lawyer. There are many good websites such as Nolo.com. You can always work out a payment deal with Discover if you don't want to file bankruptcy and if you have no defense to the lawsuit.
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