Legal Question in Credit and Debt Law in Massachusetts

Being Summoned- Do I need to reply?

A creditor has forwarded my account ($6K now) to a collection agency which gave up and then forwarded it to a Law firm (total time elapsed: 4 years). Apparently, they filed a lawsuit last April but I didn't get anything from the court. They then filed a motion to extend the time to service until March. I just received a ''Summon'' from them. DO I need to reply and counterclaim. If I do not reply, is that a Judgement by default or would there still be a court date. etc... Any links on how to fight this thing (out of job, etc..). Many thanks to all who answer.


Asked on 2/18/04, 9:08 am

1 Answer from Attorneys
David Baker Law Office of David Baker

Re: Being Summoned- Do I need to reply?

You should answer IF you don't want to lose. If you don't answer, you automatically lose; there would be no court date. When you lose, the law firm could garnish your wages or engage in other types of collection activity. If you have a defense to the claim, you MUST answer and tell the court. Good luck!

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Answered on 2/18/04, 9:40 am


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