[kmw29]

I was served with a summons yesterday on intent to sue me for a old credit card debt. This debt was from 2001. I had heard there was a statute of limitations on old debts, as it is now 2007, but I'm not sure how that works. If a judgement is filed against me what can happen? I cannot afford a lawyer, I am broke. I don't own my home we rent. I don't own my car, paying the bank still. Don't really have anything of value. I am a stay at home mom and do not have a job. What types of things can the courts order for repayment? Also curious if anyone knows if they can go after my husband in any way? Can they garnish his wages or take his car? The debt is in my name before I married him. He is the only source of income for our family and we unfortunately are living paycheck to paycheck right now. Any and all advice or suggestions are greatly appreciated. Thanks!

[RickJ]

Note: This is best place for this post... the duplicate has been removed. Stay tuned kmw, someone will probably be along shortly to help you.

[ScottGem]

First, there are several questions similar to yours in this forum. Browsing through them would have answered your questions.

The summons should be instructing you to respond to the court within a time frame, usually 30 days. You respond with a notice to defend. The court clerk shouls help you fill out the forms. Your grounds are that the Statute of Limitation may have expired. You also need to contact the creditor and demand an original copy of the credit card agreement. UNless they can produce that they will have no case.

No they can't attach any assets of your husband, unless he signed the app. But they can attach any assets you hold jointly. So if he has his paycheck directly deposited, they could grab it.