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    kimberlyolague's Avatar
    kimberlyolague Posts: 1, Reputation: 1
    New Member
    		  
    #1

    May 13, 2014, 05:19 PM
    Being sued for charged off credit card in Texas
    Just got served stating being sued for delinquent Lowe's credit card account. It states that I have to reply within 14 days. The amount is less than $4000.00. What do I do? Please help
    ma0641's Avatar
    ma0641 Posts: 15,675, Reputation: 1012
    Uber Member
    		  
    #2

    May 13, 2014, 05:25 PM
    Your post heading indicates "charged off ". Why in collection
    Did you incur the debt.
    ScottGem's Avatar
    ScottGem Posts: 64,966, Reputation: 6056
    Computer Expert and Renaissance Man
    		  
    #3

    May 13, 2014, 05:26 PM
    First, a charged off debt doesn't mean you don't owe the debt. A charge off is simply a tax maneuver to take a loss on the creditors taxes.

    You respond to the court that you intend to defend the suit and send a copy to the plaintiff asking for proof of the debt,
    smearcase's Avatar
    smearcase Posts: 2,392, Reputation: 316
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    #4

    May 13, 2014, 07:46 PM
    And if there is a collection agency involved, check carefully what additional costs have been added to your original debt. Some of these agencies have been found to have added illegal costs.
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