Legal Question in Credit and Debt Law in Kansas

I was summoned recently to appear in court to face Discover Bank for roughly $2,000 of credit card debt. I live in Kansas. I cannot afford a lawyer (hence, I couldn't afford paying credit card bills). I have a college degree but make just enough to get by. I could provide documentation of several instances that I have overdrafted from my bank account � and this is, again, without paying my credit card bills. Would I have any kind of defense in court? Would I be safe representing myself with such a defense? I do not dispute the amount Discover is asking for; I just could never afford the monthly fees. And I definitely cannot pay the total that is owed right now. Should I try to work out some sort of deal with Discover's lawyers so that I don't have to go to court? What kind of deal could be worked out? I AM trying to find a second job. I actually wouldn't mind some of those wages being garnished (but it would have to be very little, and I just don't know if Discover would like that).


Asked on 7/19/10, 5:06 pm

1 Answer from Attorneys
Anthony Smith LawSmith

Sadly, poverty is not a valid defense to a claim for a credit card bill. However, credit card companies are notorious for not keeping good records. Therfore, you might be abel to defend the claim on factual grounds, with an attorney. If you choose not to hire an attorney you might tryt working out a payment arrangment with the attorney for Discover.

Good luck

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Answered on 7/26/10, 9:38 pm


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