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daisydot · Nov 20, 2009, 10:09 AM

My son is in jail in Maine and was served papers that he is being sued for a credit card debt. What can he do. He owns nothing.

Clough · Nov 21, 2009, 01:19 AM

Greetings and WELCOME to the site, daisydot!

I moved your question out of Introductions to this forum topic area so that it will be more likely to be noticed and addressed by those who are best able to answer it. Your question will get noticed much more here.

Introductions is for people to introduce themselves only, and we try to not ask questions there. We would appreciate it if you would return to Introductions sometime to tell us a little bit about yourself, if you would be willing to do that.

Concerning your question - Has your son or you spoken personally with the credit card company?

Thanks!

daisydot · Nov 21, 2009, 05:54 AM

Originally Posted by Clough

Greetings and WELCOME to the site, daisydot!

I moved your question out of Introductions to this forum topic area so that it will be more likely to be noticed and addressed by those who are best able to answer it. Your question will get noticed much more here.

Introductions is for people to introduce themselves only, and we try to not ask questions there. We would appreciate it if you would return to Introductions sometime to tell us a little bit about yourself, if you would be willing to do that.

Concerning your question - Has your son or you spoken personally with the credit card company?

Thanks!

No he hasn't talked to anyone concerning his credit card debt. I believe all cards total 45000.00

excon · Nov 21, 2009, 06:02 AM

Originally Posted by daisydot

what can he do. He owns nothing.

Hello daisy:

The only thing he can do is write a letter to the attorney and tell him of his situation. Most attorney's aren't interested in pursuing something if they're not going to get paid... That may not stop them, however...

If they get a judgment, it'll last 10 years. After his release, if they FIND him, they'll be able to seize his bank accounts and garnish his wages.. If they do get a judgment, your son can probably settle it for pennies on the dollar if he can raise some cash when he gets out.

excon

XTC832 · Nov 21, 2009, 01:33 PM

I'm assuming that he is the only one on the accounts, that is, there are no joint account holders. If there are, then the creditors will zero in on them. But if the debt is all in his name, all they can really do is try to get a judgment that will attach to him when he is released. If somehow, you or your son or maybe a willing attorney can inform the credit card company of his situation, it might help somewhat. Depending on the length of incarceration (more than 7 years), they might just drop the suit. Usually, creditors stop reporting bad debt after 7 years. Given the fact your son is where he is right now, there really isn't a whole lot creditors can do. Good luck to you!