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Collections Law/A constable came to my house?

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Expert: Creditwrench - 4/26/2010


Question
I have a credit card debt that went to lawyers and it was about $570  and I just had a bad so I got behind on my payments and with no calls or letters a constable came to my house yesterday..I wasn't home but I don't know what to do. My husbands job barley pays for out health insurance and I cant seem to find a job at the moment what can I do?? I'm scared to call them.

Answer
If you don't have any extra money to fight with you don't have much of a chance to fight. You can't fight for free unless you already have the knowledge to do so. Without at least some funds to fight with there is little or nothing you can do except just let them get their default judgment and hope for the best.  

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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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