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Home > Law > Small Claims   »   Civil summons over credit card debt

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Old Jan 13, 2008, 03:22 PM
tslone88
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Civil summons over credit card debt
We were served a civil summons last night over 7685.00 credit card debt we are not denying the debt what I need to know is can we settle this debt out of court and what is a fair amount to offer and will the lawyer set up payments for us.

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Old Jan 13, 2008, 04:02 PM   #2  
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A lot depends on whether the debt has been sold and how many times. If it has been they might accept 50-75% as a lump sum.

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tslone88 agrees: Really what I need to know is can this be settled out of court, or are we wasting our time.
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Old Jan 14, 2008, 06:10 AM   #3  
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I can't say whether you would or wouldn't. You DO need to answer the summons with your Intent to Defend. You then send a copy of that to the plaintiff with a request for verification of the debt. In the cover letter you indicate that if the debt is verified you would be willing to discuss a settlement.
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Old Jan 14, 2008, 08:07 AM   #4  
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ScottGem is right. While settlement is always theoretically possible it is ultimately up to the parties to make it happen.

Almost all creditors are willing settle provided a debtor offers terms that the creditor deems acceptable.

A good settlement will be better than having a judgement entered against you.
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