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My husband and I received a summons in the mail today from a credit card company. We have been trying to pay on this bill but due to unemployment and layoffs of job, we failed behind on the payments. What do we do next with this summons?

Submitted: 361 days and 10 hours ago.

Category: Legal

Value: $15

Status: CLOSED

Ashburn, Georgia

Already Tried:
We have contacted Wells Fargo and we were paying what we could on the credit card and we just fail behind on payments. We have other obligations that are necessity right now that has become before the payments on this card. We understand that it is our debt but we cannot afford to lose our home or go without electricity trying to make payments on this card right now.

Accepted Answer

Sorry to hear what you are going through. The next thing to do is file your Answer to the complaint. An answer is where you state your side of the story and whether you agree or disagree with the allegations cited against you in the summons and assert any applicable defenses. You generally have some limited period of time to submit your answer (it should be stated in your GA summons) so you need to make sure that is prepared, filed and served upon the other party. If you do not file an answer the court may issue a judgment without taking your side into consideration. So it is important to make sure you file an answer as soon as possible.

You can ask the court clerk in your county if they have an answer form or check with your law library for the practice guides on how to write one.

If I have been helpful, please click Accept for my time and research. If you need more help or clarification, please click reply. Positive Feedback is greatly appreciated and reciprocated. Feedback should relate to customer service and not about the law, which I have no control over, thank you.

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Accepts:
Expert:	LawNinvest
Pos. Feedback:	99.5 %
Answered:	11/26/2008

Lawyer

Family, Juvenile Dependency, Criminal, Probate Just Answer Legal Mentor

361 days and 9 hours ago.

Reply

This is so embarrassing and I feel that I am going to break down and cry. Me and my husband both work and try to maintain our household now that we both have stable jobs. It seems that we can't win for losing. Is a summons adevertised in a local paper?
Thank you for your expertise regarding this matter.

Posted by LawNinvest 361 days and 9 hours ago.

Answer

Don't feel embarrassed it is not as if you are intentionally avoiding responsibility.

A summons is only advertised in the newspaper if you are unable to be located and served (called notice by publication). Since service has been successful through the mail, your summons should not appear in the local paper.

If I have been helpful, please click Accept for my time and research. If you need more help or clarification, please click reply. Positive Feedback is greatly appreciated and reciprocated. Feedback should relate to customer service and not about the law, which I have no control over, thank you.

Legal Disclaimer. The information given by me is not legal advice. . You should not and may not rely on anything on this website as legal advice. I am not establishing an attorney-client relationship with you. I am providing only research, resources and information only for you to be informed and educated about your particular needs and my answer is limited to the facts presented. I do not provide general or specific legal advice. . I also do not claim to be licensed to practice in the state where this information is being provided. I strive to provide quality information, but I make no claims, promises or guarantees about the accuracy, completeness, or adequacy of the information contained in or linked herein and it’s associated sites. As law is always changing, you are recommended to speak with the appropriate legal counsel for accurate and complete information. The only way that I am legally responsible for your legal rights is if you have signed a written retainer agreement with my law firm. No part of this disclaimer can be reproduced without the consent of the owner. Thank you.

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My husband and I received a summons in the mail today from a credit card company. We have been trying to pay on this bill but due to unemployment and layoffs of job, we failed behind on the payments. What do we do next with this summons?

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If I have been helpful, please click Accept for my time and research. If you need more help or clarification, please click reply. Positive Feedback is greatly appreciated and reciprocated. Feedback should relate to customer service and not about the law, which I have no control over, thank you.

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If I have been helpful, please click Accept for my time and research. If you need more help or clarification, please click reply. Positive Feedback is greatly appreciated and reciprocated. Feedback should relate to customer service and not about the law, which I have no control over, thank you.

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My husband and I received a summons in the mail today from a credit card company. We have been trying to pay on this bill but due to unemployment and layoffs of job, we failed behind on the payments. What do we do next with this summons?

Optional Information

Accepted Answer

If I have been helpful, please click Accept for my time and research. If you need more help or clarification, please click reply. Positive Feedback is greatly appreciated and reciprocated. Feedback should relate to customer service and not about the law, which I have no control over, thank you.

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If I have been helpful, please click Accept for my time and research. If you need more help or clarification, please click reply. Positive Feedback is greatly appreciated and reciprocated. Feedback should relate to customer service and not about the law, which I have no control over, thank you.

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