Thank you for your question. I look forward to working with you to provide you the information you are seeking.
When you get to court and your case is called, you need to inform the court that you are being represented by the attorney for the purposes of filing bankruptcy and you are in that process and you are asking for a continuance because the documents they mailed were to your wrong address and they sent them to your mother's address and as such that is excusable neglect for you not submitting the documents on time and you ask for a continuance to do so. You should say as little as possible about the bankruptcy and just mention that you have an attorney who is filing and then move to the fact they sent the documents to the wrong place. Do not get into the merits of your case, such as them claiming the wrong dates on your date of payment.
Regardless of what happens in court today, even if the court enters a judgment against you, that judgment will be extinguished and you will not have to pay when you get your bankruptcy filed.
Thank you so much for using JustAnswer.com. I truly aim to please you as a customer, but please keep in mind that I do not know what you already know or don't know, or with what you need help, unless you tell me. If I did not answer the question you thought you were asking, please respond with the specific question you wanted answered. PLEASE use REPLY to EXPERT if you would like more information or if you feel something was not included in your answer.
Kindly remember the ONLY WAY experts receive any credit at all for spending time with customers is if you click on OK, GOOD or EXCELLENT SERVICE even though you have made a deposit or are a subscription customer. YOU MUST COMPLETE THE RATING FOR THE EXPERT TO RECEIVE ANY CREDIT, if not the site keeps your money on deposit.
Also remember, sometimes the law does not support what we want it to support, but that is not the fault of the person answering the question, so please be courteous.
PLEASE NOTE WELL WE ARE DEALING WITH LAWS OF 50 STATES PLUS FEDERAL LAWS, AS WELL AS DEALING WITH OTHER CUSTOMERS, SO PLEASE BE PATIENT AND BE ASSURED YOU ARE NOT BEING IGNORED.
There can also be a delay of an hour or more in between my answers because I may be taking a break.
You can always request me through my profile at http://www.justanswer.com/law/expert-paulmjd/ or beginning your question with “For PaulMJD…”