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It appears that a lender has filed a civil suit.
It is vital that you see a local attorney quickly to answer the complaint.
If you do not, the lender could obtain a default judgment.
In Texas, garnishment will not occur for debts related to personal loans and if you own a home there is a good possibility it is protected by the state's homestead protection.
Of course, the creditor can only attempt to force payment via such methods if a judgment is obtained prior.
Answering a plaintiff's petition is not a simple matter and should not be undertaXXXXX XXXXXghtly.
It is vital that you seek assistance.
If you cannot afford an attorney, you should seek assistance via legal aid services.
Legal aid provides legal representation at no cost.
Would you like legal aid's contact information?
Yes please and if I understand correctly from this legal language, I was supposed to have a written response to the court before 10:00 am today. It says "10:00 am of the Monday next after the expiration of the ten days after the date of service". The petition was delivered to me on 10/21/2010. Am I correct?
There are various issues to consider including whether there was proper service. There is a strong likelihood that it may be late so you need to obtain legal representation quickly.
Be sure to select a legal aid service in your county.
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