Legal Question in Credit and Debt Law in Florida

Consumer Credit card non payment

I have been served with a lawsuit against me by my credit card company. I have tried to work out a payment plan with then but they are not willing to work within my financial limits. I have to respond to the courts in 20 days and I don't know how to go about this or what to say. I would like to reduce the amount of the debt and then get on a payment than to repay the balance. What do I do?


Asked on 1/20/09, 11:16 am

1 Answer from Attorneys

Angelo Marino Angelo Marino Jr. PA

Re: Consumer Credit card non payment

Here is a prior response to a similar question:

First determine how old is the debt, when last payment was made, is the plaintiff the original creditor, and did the plaintiff attach all of the required information, such as the credit card agreement, bills, etc. Many times suits are brought that are unenforceable.

That aside, contact the attorney as soon as possible and work out a payment plan, unusually just for the principal. Never agree that you own the money until the agreement is to be signed. Never offer to pay more than you can afford. It is best to file an answer denying the claim if the figures are not correct or the plaintiff is a different entity, or moving to dismiss it for failing to attach documents necessary to prove the case.

Sometimes it is best to see an attorney. A few hundred dollars for simple advice can go a long way. www.ConsumerLawyerHelp.com

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Answered on 1/20/09, 11:58 am


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