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Law Educator, Esq.
Law Educator, Esq., Lawyer
Category: Consumer Protection Law
Satisfied Customers: 118651
Experience:  Attorney experienced in commercial litigation.
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I need to reply to a Discover Card summons. I read it's

Customer Question

Customer: I need to reply to a Discover Card summons. I read it's impossible to defend yourself with them; they don't use a 3rd party so will most likely have all documentation ready. I owe the debt. I'm just unemployed so I can't afford a lawyer, either..
JA: Thanks. Can you give me any more details about your issue?
Customer: Amount is over $10K. 10,390. Lawyers are Kirschenbaum, Phillips & Levy. Plaintiff is Discover Bank c/o Discover Products, Inc, (Albany). It's a NYC case.
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Customer: I only paid if satisfied? If that's the case I'm willing to wait...
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Submitted: 1 year ago.
Category: Consumer Protection Law
Expert:  Law Educator, Esq. replied 1 year ago.
Thank you for your question. I look forward to working with you to provide you the information you are seeking for educational purposes only.
Here is the NY Court System Consumer Credit Answer form (does not matter the county, they are all the same statewide:
Here are the instructions to fill out your answer (if you have specific questions please ask us and we will give you information in response to your question):
Here are some defenses you may want to include:
The statute of limitations in NY for a consumer debt case is 6 years from date of last payment.