Legal Question in Credit and Debt Law in California
Summons for Credit Card Debt
I have been served a summons for an unpaid credit card debt. I must answer but cannot locate a form. Can I just write a letter to the court stating my side of the case?
Thank you.
2 Answers from Attorneys
Re: Summons for Credit Card Debt
No, this is the form that you may use: http://www.courtinfo.ca.gov/forms/documents/pldc010.pdf
That said, you should definitely consider visiting an attorney to discuss the merits of the case and decide how to proceed. Also, if you have any cross-claims against the credit card company, you'll have to file a cross-complaint at the same time that you file your answer.
Good luck.
Re: Summons for Credit Card Debt
There are several defenses that can be raised, including statute of limitation. Also, I've had reasonable success in either negotiating a lesser amount or having similar cases dismissed. Feel free to contact me directly with details.
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