Legal Question in Credit and Debt Law in New Jersey

my mother co signed on a school loan for my brother with citibank. he unfortunately defaulted on the loan. she had attempted almost 2 years ago to try to make a payment plan she could afford as she was unemployed. citi never got back to her and recently she had suit brought against her by arrowhead indemnity. she has responded to all their paperwork that has been sent and has requested everytime for them to show proof they are representing citibank as nothing of that nature has been received. even without that she once again made attempt to offer what she could afford monthly. there is a court date set for mid october but she has now gotten notice from them that are going to ask for a judgement as she is not responding to them and the important facts are not in dispute. she cannot afford an attorney but feels she now needs to since she can't understand how they can say she is not responding. is there something she can do on her own? she just recently got a job and is trying to get herself back on her feet. her fear is that this will prevent her from doing so. is representation needed or should she continue to fight this on her own? and if so, what should she do?


Asked on 9/30/12, 4:49 pm

2 Answers from Attorneys
John Corbett Corbett Law Firm LLC

A good rule of thumb is that one should never represent themselves in court unless they would be satisfied with a loss. Under the circumstances, my opinion is that your mother should engage a business lawyer near her to review the case and give her advise.

See also: http://info.corbettlaw.net/lawguru.htm

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Answered on 9/30/12, 4:58 pm
Jef Henninger, Esq Law Offices of Jef Henninger, Esq.

In addition to what Mr. Corbett said, look at the results she is getting now. I would expect more of the same. In addition, hiring a lawyer might not be as expensive as she thinks. Either way, I'm sure its cheaper than the judgment they are seeking. I have an office in Monmouth County. Call me anytime at 732/773/2768 to discuss.

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Answered on 9/30/12, 6:14 pm


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