[yo blondie]

Hi I need some direction.. I was served with a summons being sued by credit card that I owe 8300.00. I have to respond in about a week and I don't know what I need to do to respond to attorneys. I have thought of bankruptcy but then called credit card offered them 2500.00 they said no they want 6300.00 and there's no way I can pay that. I am at a loss of what to do I have to reply but want to do so to prolong the procedure. I want either to prolong somehow that they will not show I heard something about telling them I want a jury and to disput charges? Please help I need to do responses as soon as possible where do I go what do I do and what do I needc to say?. thank you michelle

[ScottGem]

Your offering them a settlement may have precluded your arguing that the debt needs to be verified. If this is a valid debt and they can prove it, you really are out of options. You can respond to the summons requesting verification of the debt. This means they will have to show proof when you go to court. But if they do, they get a judgment and can garnish your salary or seize other assets like bank accounts.

[yo blondie]

Thank you for your answer I so appreciate it seeing I went to courthouse today I have to respond by tues and was going to tell them my answer for everything is "prove it" but now I am even more lost. The last contact was made from my sis telling them to send what they claim I owe and I just got two letters from them one stating amount and if we couldn't reach a settlement process will continue and other is copy of the statement same as I would receive from them is this the kind of prof they have to show me? I don't know what they have to and don't. I now don't know if I should answer saying prove everything in each response or claim bankruptcy in which I don't know how far out is to far or agreeing to their terms of payment s which they want which isn't anything I can do anyway can you offer me your best advice .
I'm feeling so alone not knowing or understanding and can t afford services to a paralegal to do this paperwork alone 200 plus all filing costs
I do appreciate your insight thus far, have a great thanksgiving hope to hear back soon
Michelle

[ScottGem]

They have to show proof you opened the account and incurred the debt. They may not provide such proof until the hearing.

[yo blondie]

Thank you I think I'm going to go for the "fight the suit"... thank you much for your help at least I have a little more knowledge on my decision making and I am loving this site. When all is done I will let you know how it went .
Michelle