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embassy · Apr 29, 2008, 12:33 PM

I received a letter from an attorney saying that I am being sued by a debt for a credit card, and that I need to appear in court in Pennsylvania that is where the credit card company is located. I have never lived there and I live in Texas. What do I do. It says if I do not appear a judgement will go against me. I am scared to death. I cannot repay the loan. It was when I was married they we occurred the debt. It is for 4,999.00 and now with court cost it is 6,200. Neither one of us can pay this or afford to get an attorney. I have spoke to occurred 30 different attorney's and they all say something different. I know if a judgement goes against me they can take money from our accounts. The last activity on the account was September of 2003. I do know that the statue of limitations is 4 years for both Texas and Pennsylvania. I just don't know what I should do. I don't want a occurred.
Please help!

Fr_Chuck · Apr 29, 2008, 03:05 PM

After they file in court you respond that their court does not have jurisdiction and request the case be dismissed there for that reason.

Or your hire an attorney to represent you in court there.

But unless you signed to terms in the credit card agreement that they can triy it there ( ** AOL is bad on this they require all legal action to be done where they are at in there Rules)

But the first thing is you can't stop them from filing, after they file you will have to respond to the filing.

DrJ · Apr 29, 2008, 03:18 PM

And if at ALL possible, you want everything to be done in Texas as Texas has MUCH better debtor-protection laws than PA does (mainly being that in TX, they cannot garnish your wages, put a lien on your property, or levy your bank accounts... basically, they can sue you all they want but they cannot do anything as far as getting the money from you)

DrJ · Apr 29, 2008, 03:58 PM

A resourse to use is called Legal Advice Line. If anyone would like to make use of this helpful resource, they can be found at Legal Advice Line. As stated in my PM, they are about 15-20 years old and a great source for in-expensive, legal advice. I believe each phone call is about $40 and you can ask pretty much anything about a given topic. You will be matched with an attorney in your state for the most accurate advice they can give.

Document creation (typically responses to summons, etc.) usually runs about $60... a GREAT deal!

Hope this helps~