Legal Question in Credit and Debt Law in California
Re: debt
My mother hired a agency who was
suppose to negotiate her and my
debts (she had me use my card to
purchase things) with the credit card
companies for a lesser amount.
The company has failed to do so and
now I face a summons in a week and
a half cause the card was in my
name. My mother said she would
take care of everything and the
company she hired said they would
take care of the credit companies.
The summons that came was not
served but mailed and as I have
been out of the country I just
recieved it. It was filed April 17 while
I was away.
The only thing the company
consolidation said was that they
faxed a paper for me to apply for
arbitration.
I feel the company has screwed us
and that while my mother said she
will pay the debt that this company
settled for obviously they haven't so,
I am left with a summons and I am
a student with no money. What do I
do? I need help urgently.
Do I try and settle with the credit
card company myself and my
mother will make the payments
or do I do bankrupcy. My wife is also
a student.
I was told they can take my car and
anything I own and when I do start
work then I will be working for
nothing as they will take my wages.
2 Answers from Attorneys
Re: Re: debt
You should consult with a bankruptcy attorney, if you think you may qualify. If you do not qualify, talk to an attorney about representing you in the lawsuit and trying to negotiate the debt.
Re: Re: debt
I provide bankruptcy services in Northern and Southern California. If you do not want to do a bankruptcy, you could respond to the complaint within 30 days of service (i.e. ASAP), and also cross-complain against the debt management company. That should get their attention to work this out for you. Please let me know if I may be of some help.
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