Derrick6
Apr 13, 2013, 09:45 AM
I received a summons to appear in court from a company I have never heard of.
They're the final transferee of a credit card company I opened in 2005. The last time I spoke to the credit card company was in 2008 when they told me over the phone "this will be the last payment". Well I bought that hook,line and sinker because I haven't heard anything until now considering the card was cancelled. I looked at my credit report and the card was closed in 2008.
Now here comes this summons claiming I owe over $1000. Never heard of this Collection company. I know I must appear but what should I expect when I go to court and most importantly what would be the best way to defend this "alleged debt"? Thank you in advance I received letters from bankruptcy attorneys about debt consolidation and so forth but I thought it was innocent until proven guilty and not the other way around.
Thanks
They're the final transferee of a credit card company I opened in 2005. The last time I spoke to the credit card company was in 2008 when they told me over the phone "this will be the last payment". Well I bought that hook,line and sinker because I haven't heard anything until now considering the card was cancelled. I looked at my credit report and the card was closed in 2008.
Now here comes this summons claiming I owe over $1000. Never heard of this Collection company. I know I must appear but what should I expect when I go to court and most importantly what would be the best way to defend this "alleged debt"? Thank you in advance I received letters from bankruptcy attorneys about debt consolidation and so forth but I thought it was innocent until proven guilty and not the other way around.
Thanks