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    asnow71's Avatar
    asnow71 Posts: 1, Reputation: 1
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    #1

    Sep 13, 2008, 10:26 AM
    Response to a civil suit for credit card debt
    I am being sued for credit card debt. I was unemployed in January of 08. I continued making payments with my unemployment income. My unemployment income was for 6 months. I thought I could find a job within that time so wanting to save my credit I used my unemployment income. I am 55 and have always paid my credit cards on time. My husband is a salesman working in a retail store and works strictly on commission. He has not been making much therefore needed me to help with bills. I stopped making my card payment in April. I spoke to the credit card company many times and explained to them what was happening and that I could maybe pay 20.00 a month. They wanted me to pay $125.00 per month and could not accept such a small amount. Here it is 9 months later and I am still unemployed. I got a subpoena. I have to respond within 20 calendar days. I am not trying to get out of this debt. I am not unwilling to pay, just unable to pay at this time. How should a response letter look? Is it just a letter from me. If they garnish my wages, I have none right now and what employer will want hire me when he has to garnish my wages. An employer will think I am trouble.
    bashful53's Avatar
    bashful53 Posts: 13, Reputation: 1
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    #2

    Sep 13, 2008, 11:23 PM
    Hi I am not a pro but I know that if the debt is in just your name only then they shouldn't be able to garnish his co. yet if your not working there isn't anything they can take. Then buy the time you find a job it takes a good eight months for them to find out where you :D work to garnish and by then you should be able to make some kind of compromise.


    Remember I am not a lawyer or a pro but this is just past experience on my part. Good luck:)
    JudyKayTee's Avatar
    JudyKayTee Posts: 46,503, Reputation: 4600
    Uber Member
    		  
    #3

    Sep 14, 2008, 07:50 AM
    Quote Originally Posted by bashful53
    hi i am not a pro but i know that if the debt is in just your name only then they shouldnt be able to garnish his co. yet if your not working there isnt anything they can take. then buy the time you find a job it takes a good eight months for them to find out where you :D work to garnish and by then you should be able to make some kind of compromise.


    remember i am not a lawyer or a pro but this is just past experience on my part. good luck:)


    Depends on whether the OP is in a community property State.
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