Collections Law/civil summons

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Expert: John Hall - 7/14/2007


Question
Hello Mr. Hall
I received a civil summons from a New York Corporation that purchased a debt of mine from Orchard Bank Mastercard in the amount of $640.03 with 8% interest. This debt is 8 year old or older. In the suit they stated that I made a promise to pay this debt 03/07/2007 I have not spoking with anyone nor have I written any response to anyone about this account. To be honest with you I do not remember have a mastercard from this company. this was during my first marriage ,so I do not know if I was me or my X husband. Can you help me! I do not have $ 640.00

Answer
 

In order to suggest the best way that you might want to handle this lawsuit  it would help to know some  facts that you do not state in your question.

This might be easier to talk about on the telephone.  I will not charge you to do so if you would like to call.  You can call me at this number anytime  (including this weekend) if you wish.  432 853-5711  I look forward to hearing from  you if you would like to call me at your convenience.  (If I do not answer right away, it is probably because I am on the phone with someone else.  If you leave your telephone number I will call you right back.)

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John Hall

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Law school graduate, Juris Doctorate (J.D.) Degree; Over 25 years of experience throughout the United States in bankruptcy law matters (Chapters 7, 11, and 13 of the United States Bankruptcy Code) primarily representing individual debtors with consumer debt or small businesses; Experience has included all aspects of debtor/creditor relations.

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FREE BANKRUPTCY HELP. If you are being sued, if your home is being foreclosed, or if you are being harassed by bill collectors, filing for bankruptcy may be a quick and inexpensive solution.. The mere filing of a bankruptcy will operate as a federal court order (it is called an automatic stay) to stop all bill collection efforts, including lawsuits that are pending or ongoing. Bankruptcy is a legitimate way to meet your problems with debt head-on. The bankruptcy law is designed to give you a second chance to make a new start without the psychological and financial burden of pressing debts that you are unable to pay. Depending on what state you live in and what your assets are, it is very unlikely that you are going to have to lose anything if you file for bankruptcy, and this is something that you can do immediately without having to pay the $500 to $1,500 attorney fees that most attorneys charge. Also, you might be surprised that you can file for bankruptcy and that it will not have the devastating effect on your credit that most bill collectors describe. Life is too short to have all this anxiety over losing your car through repossession, getting evicted from your home, or losing your home through foreclosure. Bankruptcy law was designed to give you a second chance. I will not charge you just to talk on the phone. Call me at 432 853-5711, or send me an email at j_h14@hotmail.com with your telephone number, and I will call you back.

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