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Hi, the other day someonecame to my house and gave me a summons letter from a credit card that went default on me,the summons letter is from my local county in the state of New York were I currently live.. Reads like this:

You are hereby summoned to answer the complaint in this action and to serve a copy of your, or, if the complaint is not served with this summons, to serve a notice of appearance, on the plaintiffs attorney within 20 days after the service of this summons, exclusive of the day of service (or within 30 days after the service is complete if this summons is not personally deliverded to you within the state of new york) and in case of your failure to appear or answer, judgment will be taken against you by default for the vrelief demanded in the complaint, together with the cost of this action.

Then the law firms name appears at the bottom of the page...

Any advise won how to answer this letter would be really apreciated greatly!! Attempt to collect a debt from a credit card that I was using and fell behind on my payments total is $1,500

Thank you in advance!!

NY

If I'm not mistaken, this means that you are getting a lawsuit filed against you, and unless you appear in court at the appropriated time the judgement will automatically be against you and your wages will be garnished. I may be wrong... but this is what I'm assuming.

That is true. If they haven't sent you a debt validation, ask them to do so, they can't sue you until after they can prove they are authorized to collect this debt. Though if you have already been making payments to them I don't think you can request this as your payments show that you accept they are the authorized collector.

I received a summons for a credit card debt from a tty office, for a third company that bought the account. The company is stating I have a signed contract with them in which I don't. They also have other false information stating that they have spoken with me, I not spoken with this company