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patsgunrepair · Mar 24, 2009, 10:16 PM

I have a question about a summons. First I would like to say that I have a couple of judgements against me from CC debt. I received the summons, but never responded to them, so they are a default judgements. The reason I never responded was because I do owe this debt (never deputed it anyways) and didn't think it was necessary. But having read some of the posts here I guess I should have. So my question is Why should have I responded, and what should have been in those responses? Thanks for your help.

patsgunrepair · Mar 24, 2009, 10:22 PM

I have some judgements against me. What is their next step. I don't have any money in my bank accounts, will they still put a lien on it. If they do can't yopou just open another one at a different bank? I'm new to this so these are just some of my questions? Thanks

JudyKayTee · Mar 24, 2009, 10:23 PM

If you've read the other posts you should have this information concerning defenses and counterclaims and how to phrase them.

There are many defenses, as you know, and only you know which ones applied to you.

On the other hand if they were your debts, you acknowledge that, why spend the time on the slim chance you will prevail - ?

JudyKayTee · Mar 24, 2009, 10:24 PM

Please post your questions all in one thread, not scattered.

If you move your money to another bank an asset search will find it there.

patsgunrepair · Mar 24, 2009, 10:32 PM

So where can I find the proper way or forms to help with my defense with these summons? Any help is great appreciated.

JudyKayTee · Mar 25, 2009, 04:05 AM

It's too late to respond now if the cases have already been heard and Judgments have been issued against you UNLESS you have grounds to overturn those Judgments - the usual grounds are that you didn't know about the Court cases (bad/no service of process). It appears you did know and simply did not appear.

If you can get them set aside you will be served again, presumably will respond and attend a Hearing and the Court will decide.

What are your grounds for setting the Judgments aside and if you manage to do that, what are your defenses to your non-payment?

ScottGem · Mar 25, 2009, 06:28 AM

I'm a little nonplussed at this. There are dozens of threads that deal with this issue. You have, apparently read some of them, yet you still need to ask the same questions that many of those threads have already answered.

Please go back and review those threads. You will find them in this forum and also the Credit and Small Claims forums. If you have any SPECIFIC questions please feel free to post a follow-up to this thread.