Legal Question in Credit and Debt Law in California

A charge off does not mean the debt is paid; collections may ensue. Summons answer forms would be available at your court or online at www.courts.ca.gov. If a particular debt is a symptom of a greater debt problem, if no defense exists, and/or the amount owed is unrepayable, then--assuming eligibility--seeking federal protection in bankruptcy court may be a best bet.

This answer (by San Diego bankruptcy attorney, Asaph Abrams) doesn�t address all facts & implications of the question; it�s general info, not legal advice to be relied upon. It creates no attorney-client relationship; it may be pertinent to CA and/or its Southern District Bankruptcy Court only, and it�s independent of other answers. It may be time sensitive, as in past the �Use by� date: laws and case law change. Hire legal counsel before acting or refraining from bankruptcy/legal action.

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