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Question
Well I have just recieved I summons yesterday to for a cell phone bill from sep 2003 thats when it went to collecions on my credit report. The summons was filed in oct 07. I was served at work one of my Managers signed for it. I know I have to file an writen reponse to this the debt from Cingular is 1814.00. I do not have any extra money for an attorney or to pay it off. My question is what do I do next? I live paycheck to paycheck I need your help!!! Thank you this is the only way im getting help thank you.

Answer
I'm afraid I don't see any question here. I can see that you say you have a summons that you have to respond to and I can see that you say you live from paycheck to paycheck. I can also see that you need my help but I don't see where you say what you want me to do for you.

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Creditwrench

Expertise

Debt Collections law, Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), federal law, how to properly answer court summons for collection cases, how to prepare federal cases against debt collectors, how to deal with debt collection phone calls.

Experience

I've been an active consumer advocate for more than 40 years and have helped hundreds of people win cases against debt collectors as well as helping them defeat demands for summary judgment lodged against them by banks, debt collectors and defeat mortgage foreclosures and keep their homes.

Education/Credentials
Paralegal courses for the most part.
I have been teaching people how to deal with judgments, mortgage foreclosures and other such problems both on and off the internet for many, many years. I am a Richard Cornforth information provider ever since 2000 and worked with many other organizations and causes since 1980. I was Oklahoma State Chairman for the nationwide drive to defeat the Constitutional Convention which was proposed by various factions within our federal government such as the Council of State Governments and the National Organization of State Governors who were working hard to organize a Constitutional Convention to be held in 1995 for the purpose of rewriting our American Constitution to be more acceptable to the United Nations. I worked with Senator Charles Duke of Colorado and Senator Don Rogers of California and many others across the nation to keep them from getting the number of delegate states required to lawfully hold a Con-Con and we were successful. I have worked with many other legislative issues in Oklahoma and have always been very successful.

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