Hi, I am new to the site and I have read previous questions and ans. Concerning being sued by credit card co. but I am still confused about what I need to do. My situation is rather confusing, and I am sure it will appear unbelievable when I present it to anyone. A couple of weeks ago I was contacted by a friend who was staying in my condo that a deputy had come by looking for me and left a # for me to call. I called and was informed that he had a summons for me to pick up... he said no hurry.. it's from some credit card co. So I finally drove 125 miles to pick it up today and it was from Cap. One, saying I was being sued for an amt of $7600 plus interest, plus court & attorney fees. I am not denying that it is a valid charge, and I don't have a problem in trying to come to terms on a reasonable settlement. Ok here is the story, several years ago when I quit working I gave my credit cards to my hubby to cut and pay off (he handles all bills) I honestly thought he had paid everything off. We move with his job and have moved to 14 states in the past 10 years. I can honestly say to you I never received any bills from them, a collection agency, or attorney... until this summons. OK, the card was in my name only, I don't work, I have no income, we have a small condo which my name may be on, can they come back on my husband?
They say I have 20 calendar days to respond to the clerk of the court and a copy to their attorney. My husband won't hire me an attorney.. so I am lost. Can I contact their attorney and see if we can work something out? Or what do I do? Also I pulled up my credit report and this isn't even listed... I have nothing negative on there. All it shows is the Amex that I currently carry... so I am not even sure when I defaulted, but I think it was at least 3 yrs ago. I currently live in FL.
Sorry this is so long... thanks for any help.