Deputy Sherriff delivered to me a summons 6/20/08 to appear in General Sessions Court 7/9/08.
Papers were filed with the County Clerk 5/27/08 by a Lawfirm for CA, along with the summons was an Affidavit dated 3/17/08 stating I owe $16,897.50
From credit report:
Status: Account charged off/Past due 150 days. $13,221 written off. $14,971 past due as of May 2008.
Status Details: This account is scheduled to continue on record until Nov 2011.
Date Opened:
11/2001 Type:
Revolving
Reported Since:
11/2001 Terms:
NA
Date of Status:
07/2005 Monthly Payment:
$0
Last Reported:
05/2008 Responsibility:
Individual
Credit Limit/Original Amount:
$11,500
High Balance:
$17,549
Recent Balance:
$17,396 as of 05/2008
Recent Payment:
$0
Account History:
Charge Off as of May 2008, Apr 2008, Oct 2007, Jul 2007 to Sep 2007, Jun 2007, May 2007, Apr 2007, Mar 2007, Feb 2007, Jan 2007, Dec 2006, Nov 2006, Oct 2006, Sep 2006, Aug 2006, Jul 2006, Jun 2006, May 2006, Sep 2005, Aug 2005
150 days as of Jul 2005
120 days as of Jun 2005
90 days as of May 2005
60 days as of Apr 2005
30 days as of Mar 2005, Feb 2005
How I got here:
Small business owner of 17 years, down turn in sales went basiclly 2 years with very little income lived on and credit cards emptied savings account, was searching for another job during that whole time.
I now have another job, trying to catch up on all the behind bills secured first and making headway, still have not replenished savings.
I have a Validation letter and Creditor Disclosure Statement prepared, do I send these to the law firm or CA or both ? And do I even have enough time before court to do that and expect a response ?
Would really like to not go to court but date is basiclly here.
Would like any advice,
Thanks from Tennessee