My 73yr old mother has an out standing balance on a credit card that was turned over to collections in 2003. She was making monthly payments to a collection agency and later in 2004 she received a notice saying that they were no longer handling the account and would be later notified of someone else who was going to pick up the account.. of course she did not keep the letter... anyway I was at her house yesterday because she wasn't feeling well when there was a knock on the door. I answered it and this man asks for her and I tell him that she is sleeping, and he said not to bother her, that I could sign... not thinking I did... and now we have a court date for Jan 24...
My mother has no assets and lives on social security and here is this letter stating she owes $2009.69 from 2004, and now the total amount owed is $5234. She has no other income other than social security... how should we go about this case...

Hello marlas:

There's only ONE advantage to being old and broke, and that is, she's "judgment proof". Her SS can't be garnished, and if she has no cash/assets, then they can't get any cash.

A letter to the attorney stating the obvious should put an end to this fiasco. Send it certified, return receipt requested.

But, if they want to sue, let 'em. What?? A judgment on your mother is going to do her harm?? Nope, it ain't.

excon