I received a demand for payment on an account where the creditor never contacted me in any way. The creditor (a hospital emergency room) refused to discuss this with me, but did admit to losing my information. My question is how do I "respond in proper legal form" to the summons. What I want is for the creditor to pull this account from the collection agency and clean up my credit. Help!

Rich

Hello rich:

I know what you want, but the creditor has first shot. IF the summons says you need to answer, then just a hand written letter denying the charges is sufficient. If not, then just show up in court.

If you win, then you can demand that the creditor do what you want him to do. But, if you lose, he ain't going to do it - and of course, why should he?

excon