Recently received summons from a collection agency that a lawsuit has been started against me. What is the best way to respond to the court. I am unemployed, have no income or savings. I have not been working due to illness and am waiting for judgement on disability. Any advice greatly appreciated.

Do not fail to respond to the summons. Make every court date and promptly submit whatever info the court asks of you.

If it is a lawful debt, they will probably win the judgment.

When it comes to creditors filing judgments, it's time to consider bankruptcy I think.

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Originally Posted by tornes

Recently recieved summons from a collection agency that a lawsuit has been started against me. What is the best way to respond to the court. I am unemployed, have no income or savings. I have not been working due to illness and am waiting for judgement on disability. Any advice greatly appreciated.

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Call a bankruptcy attorney for a free consultation.

You must show up in court or they win. When you get to court deny all and demand to see the original contract, not a copy the original.

Do not admit anything until they do, no contract, no claim.

I just received a civil summons for a collection agency that I have no idea about. What should I do.

I just received a civil summons from a collection agency that I have no idea about, nor have I signed a contract, spoken to them, or seem any previous letters from them.
What should I do to have this dropped.

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Originally Posted by head1844

I just received a civil summons from a collection agency that I have no idea about, nor have I signed a contract, spoken to them, or seem any previous letters from them.
What should I do to have this dropped.

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I've gotten a couple three this year. You won't receive a civil summons from a collection agency, it'll be from the court. If you don't show, all that will happen is the debt will be verified. You owe it. But, when you receive the summons there'll be other paperwork with it in which you can declare deductions. (This is in NC). If you have property they can attach that, but not your home or car. (I'm going from memory here). I don't have any knowledge about garnishment of wages, except that no one can touch my social security except the government.
My world fell apart a couple years ago and I couldn't get a pro-bono bankruptcy lawyer. Had to sell my truck to live off so I couldn't get to the court.
A deputy will serve the summons personally, don't let that intimidate you.