[thetoysman]

I just received a summons & after reading through the forums I am wondering which action to take? I know the credit card debt is mine but I don't have the funds to pay any part of it. I live w/my father, I don't pay rent, I have no vehicle or income as of right now & I still have other debts also. I know I need to respond to the summons but do I respond w/an Intent to Defend even though I know its my debt or do I write up a Letter of Intent stating that I am looking into filing bankruptcy?

[ScottGem]

File a notice of Intent to Defend. Depending on how old the debt is the plaintiff might have a hard time providing proof of it.

[thetoysman]

Is it easier or more difficult for them to provide proof when you applied for it on the internet? I'm just curious, thanks for the advice.

[ScottGem]

Probably easier.

[thetoysman]

If that's the case wouldn't it be better then to state a letter of intent (or is that the same as an Intent to Defend) saying I'm looking into bankruptcy also because of other debts, that way I don't have to appear in court or do I even mention I have other debts?

[ScottGem]

You HAVE to appear in court. As long as you got a summons you have to appear or risk a default judgement entered against you. If you plan on filing, you are better off filing BEFORE your court date.

[thetoysman]

Thanks for the help ScottGem, its very much appreciated!