I've seen the question about what forms to file if you have received a summons but there have not been answers specific enough.

I am going through the same thing, I received a summons from a collection agency for a debt that I am unable to pay. I've contacted a legal clinic and they have suggested filing bankruptcy. This all sounds fine but meanwhile if I don't respond to the summons within 30 days they can garnish my paycheck.

My question is mainly what do I do before this? The summons states clearly that I must respond... well how and what do I respond with? What form?

Thanks for any help.
Esbee

[QUOTE=esbee]I've seen the question about what forms to file if you have received a summons but there have not been answers specific enough.

I am going through the same thing, I received a summons from a collection agency for a debt that I am unable to pay. I've contacted a legal clinic and they have suggested filing bankruptcy. This all sounds fine but meanwhile if I don't respond to the summons within 30 days they can garnish my paycheck.

My question is mainly what do I do before this? The summons states clearly that I must respond... well how and what do I respond with? What form?



The forms and wording have been posted before and someone else will answer that. In the meantime, what is your defense? You need a legal defense in order to respond and inability to pay is not a legal defense. The simple act of filing a response of some sort will not change the timetable.

If you do not have a legal defense this will proceed to judgment and then the creditor will take whatever means are necessary to collect their money.