Ask Experts Questions for FREE Help !
Ask
    knk81405's Avatar
    knk81405 Posts: 1, Reputation: 1
    New Member
    		  
    #1

    Jun 18, 2010, 01:44 PM
    Can you settle with a collector before the court date?
    I have recently been summoned to court over a credit card debt that I failed to take care of. I suppose the notices have been sent to my parents house which I have not lived at in a long time. I do not deny that I owe the money but I can't afford to make large payments. Is it possible to call the collectors office and arrange payments with them before the court date therefore not having to go to court over the matter?
    Clough's Avatar
    Clough Posts: 26,677, Reputation: 1649
    Uber Member
    		  
    #2

    Jun 18, 2010, 03:58 PM
    Quote Originally Posted by knk81405 View Post
    I have recently been summoned to court over a credit card debt that I failed to take care of. I suppose the notices have been sent to my parents house which I have not lived at in a long time. I do not deny that I owe the money but I can't afford to make large payments. Is it possible to call the collectors office and arrange payments with them before the court date therefore not having to go to court over the matter?
    Hi, knk81405!

    You suppose that notices have been sent to your parent's house? Was one not hand-delivered to you?

    There is no avoiding the inevitable. If you avoid issues and don't try to make contact with the other party when they are seeking to get their money, and now through a court, then things will go on without you, and not to your benefit.

    If I were you, I would be doing everything possible to see what kind of arrangements can be made with the credit card company.

    Calling them would be the first thing to do. Please be sure that you have a witness on another line and inform whomever you speak with that you have a witness on the other line.

    Since it's already gone to the collection stage, your only alternative may be to plead your case in court. But, you need to call the credit card company first.

    Thanks!
    Fr_Chuck's Avatar
    Fr_Chuck Posts: 81,301, Reputation: 7692
    Expert
    		  
    #3

    Jun 18, 2010, 04:58 PM

    You may try, but a sad trick of some collection companies is to give verbal terms and then they go on to court without you showing up to merely win.

    You also may have to deal with their attorney. Also by this time, they already had attorney fees, court fees and more that have been added.
Not your question? Ask your question View similar questions
 

Question Tools Search this Question
Search this Question:

Advanced Search

Add your answer here.


Check out some similar questions!

Mr Yet - Do I settle or go to court? [ 2 Answers ]

Chase Bank NA is suing me for a credit card balance. The evidence they have presented the Court is one monthly statement and an affidavit from Chase. I never answered interrogetories or requested them. However I did file a motion to defend. Chase filed a motion for judgement due to my not...

Too late to settle debt after court? [ 3 Answers ]

I owe $5259.43 from a hospital bill 3 years ago. The collection agency took me to court and being the nervous wreck that I was just signed the papers stating that I would pay the total amount in monthly installments of $75.00. After talking with a few people they said I should have settled for a...

Filed INtent To Defend, Now CC company wants to settle Out of court [ 1 Answers ]

First of all thank you to all who advised me on how to help my parents. I filed the Intent to Defend with the Court and also asked for a hearing and for the Credit Card company to provide the court and myself with proof of the original signed contract. My parents got 2 letters today, one from...

Court Date Tomorrow w/ Collector [ 37 Answers ]

Hello All, I Currently live in MD however prior to 2001 I lived in NY. 1/2006 I called a small bank in NY I had an account with for years and learned that it had been restrained by a law firm C&S representing a creditor (Spiegel). I called this firm and found there was a judgment obtained...

View more questions Search