Legal Question in Credit and Debt Law in Maryland

Goodday.I have a court date for not paying a credit card bill.The summons was left in my mailbox, I took it out,but i had my debt consolidation company call them to negotiate a settlement figure, but they are not agreeing to what I can afford to pay before the court date. What should I do. If I do not attend the court, what would happen to the case, would it be postponed thus allowing me more time to come up with the payment?. Please let me know what my options are. Thank you.


Asked on 12/23/10, 1:07 pm

1 Answer from Attorneys
Phillip M. Cook Cook Legal Services, LLC

You cannot skip the court date under any circumstance. If you do not show, a "default judgment" will be entered against you by the Court. If you need more time to negotiate with the credit card company, then you have to show up to court and ask for a "continuance." The credit card company does not have to agree to the continuance. At the end of the day, if you owe the money, you are likely going to have to pay the full amount if the credit card company won't negotiate. In my opinion, you are barking up the wrong tree by allowing a "debt consolidation" company negotiate for you -- YOU NEED AN ATTORNEY. Have you considered speaking with a bankruptcy attorney? It's time.

Best of luck.******The above is for informational purposes only and does not create an attorney-client privilege.*******

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Answered on 12/28/10, 2:31 pm


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