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Expert: John Hall - 7/28/2006


Question
i have been served with a court summons from palisades collection llc assignee o providian national bank
the account was open in 02 was in good standing for the first year I requested that they stop erolling me in the extra packages that they offered they did not. Now I went thur a hard time in 03 had had let the account slip it had a balance around $800.00
I have heard nothing from them in a long while and untill today had forgot about it. The summons is for over $2000.00 plus lawer and court fees.
what are my options at this point


Answer
You don't want to get a judgment agaisnt you for this amount for all kinds of reasons, and you do have a couple of options where you could avoid this.  You might even be able to get the case dismissed.  It will just depend on facts that you did not state in your question.  

Call me if you would like.  I will not charge you just to talk on the phone and we could discuss your options in more detail.    214  779-3427     Calling this weekend would be ok too.  

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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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