Legal Question in Credit and Debt Law in Georgia

I live in Ga. In 2008 I had a credit card with a 400 balance ( I had been paying it off for the last 15 years and had a high balance of 2900. My card was stolen and purchases were made of almost 2000. I did the necessary paperwork in the fraud division and was told the following day that the purchases were mine and I would have to pay it. I refused and allowed my best account (I had been paying ontime and more than the minimum for the last seven years) go into default. Last week, I received a summons from a third party law firm/collection agency to file an answer to a 2900+ balance (the limit was 1800). The had previously sent me copies of past credit card statements that go start from when my balance was 400 up until now (all the charges are late fees then over the limit fees) and a copy of the rules. Nothing had my signature on it. I would like to know how to file an answer. I would have no problem paying the 400 that I owed but almost 3000, that's crazy!!! I would like some advice on how to file and answer and what to do in court. Is it legal for a third party to do this to me? Additionally the credit card company that sold my information was not the original company I had signed up with for the credit card, so I have signed nothing with this card.

Thank you


Asked on 10/13/10, 7:02 am

1 Answer from Attorneys
Glen Ashman Ashman Law Office also dba Glen Ashman Attorney

Meet with an attorney to help you draft an answer. It must be filed within 30 days. Copies of your police report and fraud report to the bank are absolutely necessary. Call me further at 404-768-3509 to discuss.

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Answered on 10/18/10, 7:54 am


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