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    mlf73225's Avatar
    mlf73225 Posts: 1, Reputation: 1
    New Member
    		  
    #1

    Jul 1, 2007, 06:02 PM
    Summons for credit card dept
    I have been sued by a credit card company in NJ for a little over 5,000. I received the summons almost a month ago. I have been in a dept program for about 6 months and they are trying to negotiate with the credit card company. My dept program just mailed me a letter stating that time to answer is almost up so I will file my answer soon. My question is how do I answer the special civil letter since there is no option on the letter for "negotiation". Do I just add my own note saying that I or my dept program is trying to negotiate? Also after I file and since I am trying to negotiate can they take away money from my checking accounts, etc. I do own a home. Can they do something with that? I have never been in this situation and don't know anything about the law in NJ. I just scared because I can barely afford to pay my mortgage from month to month. Can someone answer this? Thanks.
    mr.yet's Avatar
    mr.yet Posts: 1,725, Reputation: 176
    Ultra Member
    		  
    #2

    Jul 2, 2007, 04:01 AM
    If more than 30 days have pass since you were served the summons, than a default judgment has been enter against you.

    If not File Notice of intend to defend now!!
    ScottGem's Avatar
    ScottGem Posts: 64,966, Reputation: 6056
    Computer Expert and Renaissance Man
    		  
    #3

    Jul 2, 2007, 06:08 AM
    All you need to do is file your intent to defend. You do not need to say why at this point. Your reason is you have offered a settlement.
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