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    rog4600's Avatar
    rog4600 Posts: 3, Reputation: 1
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    #1

    Aug 28, 2007, 02:41 PM
    Being Sued over Credit Card Debt
    I am being sued over credit card debt(4000.00). The papers say that if you don't file an answer by a certain date a judgement will be issued against you. What does this mean? What will happen if I just ignore it. I am in Texas.
    mommared67's Avatar
    mommared67 Posts: 2, Reputation: 1
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    #2

    Aug 28, 2007, 03:43 PM
    What to do with a dead person credit acc he had no assets
    mommared67's Avatar
    mommared67 Posts: 2, Reputation: 1
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    #3

    Aug 28, 2007, 03:44 PM
    They were only in his name
    allbut8's Avatar
    allbut8 Posts: 8, Reputation: 1
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    #4

    Aug 29, 2007, 06:56 PM
    mommared67 - looks like you are asking a totally separate question. To ask a question, click the Ask link on the bar at the top of the page and follow instructions from there.

    rog4600 - a judgment is generally obtained when someone like a creditor files suit in court claiming you owe them money. Filing an answer is to either defend or admit you owe the alleged debt. If you ignore, do not answer, or do not appear in court when summoned, the court may automatically grant judgment, which means the court determined you owe the debt. It is not a good idea to ignore papers on a judgment. A judgment has a very negative impact on your credit report and often lenders will turn you down if you ever try to borrow money or apply for a loan or credit. Judgments stay on your credit report for 7 to 10 years. In addition, when a judgment is obtained, your possessions can be seized, pay garnished, and bank accounts frozen.

    If you want to learn more about the impact of judgments in Texas, search through the forums.
    Fighting_the_Deb's Avatar
    Fighting_the_Deb Posts: 24, Reputation: 2
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    #5

    Sep 1, 2007, 07:35 PM
    I've just been through all this, so a bit more detail may help.

    To file an answer, just go through each of the counts that are listed in numerical order, and just say yes or no to each number, and then briefly state why. Or "agree" or "deny", or something like that. Then take it to the courthouse where the summons originated and they will give you a form that you fill out with the court case number, plaintiff and defendant. You give a copy of your answer to the court, and send one to the lawyer also. Then you will be send a notice of when your court date is. That is what I had to do in Michigan anyway. I can't imagine it could too different.
    sunny07's Avatar
    sunny07 Posts: 25, Reputation: 5
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    #6

    Sep 16, 2007, 12:08 PM
    Quote Originally Posted by Fighting_the_Deb
    I've just been through all this, so a bit more detail may help.

    To file an answer, just go through each of the counts that are listed in numerical order, and just say yes or no to each number, and then briefly state why. Or "agree" or "deny", or something like that. Then take it to the courthouse where the summons originated and they will give you a form that you fill out with the court case number, plaintiff and defendant. You give a copy of your answer to the court, and send one to the lawyer also. Then you will be send a notice of when your court date is. That is what I had to do in Michigan anyway. I can't imagine it could too different.
    Deb, Did you file an answer after you've received verification from a collector? Do you know if requesting a verification of debt to a collector is sufficient answer to the complaints? I am in the same situation and needs to answer to a summon. What happened after you answered to the complaints and filed it to the court? What is the next process?
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