[goldencats]

I am presently being sued by a lawyer, who purchased the debt, from a credit card company. I didn't realize this until it was too late.

I did an Answer to Complaint to the Special Civil Part Court in New Jersey. In the answer
I indicated that I owed the account and was disputing the amount, and that I'd like to make payment arrangements.

Now I have received interrogatories from the attorney/debt collector.

In reading previous posts on this website, have I in effect already lost?

Even if I answer the interrogatories by neither affirming or denying the debt until it is varified, would this keep away a judgement? Or change anything?

I want to keep away a judgement if at all possible.

I want to pay once I have regained employment, but at present I am unable to do so.

My questions here are:

1. should I answer the interrogatories, even though I stated in the Answers to Complaint that I do owe the money? Although the amount indicated is incorrect.

2. Will a judgement most likely be filed against me. The attorney has asked for a
Settlement Conference instead of a trial by judge.

Thanks for any help you can give. I have until the 8th of June to complete the interrogatories if you deem I should respond.

Thanks again.

[ballengerb1]

What was the last date you paid money on this account or acknowledge the debt? What state are you in?

[goldencats]

The last date I paid on this account was March 2009. I acknowledged the debt on May 2010.

I live in New Jersey.

[ballengerb1]

This situation is outside my experience. I have never heard of a credit card company selling a debt this fresh. They usually stay with you for many months, even a year trying to collect foor themselves. Sold debts go for pennies on the dollar so I don't see how this debt got to a 3rd party so soon. Wish I could help more, sorry

[goldencats]

Can anyone else assist me with
My question? Thanks much.