Legal Question in Credit and Debt Law in Michigan

I opened a credit card account to pay for an injured stray dog that was hit by a car in front of my home. The limit was 500.00. My husband lost his job so I fell behind on the payments and the credit card company closed the account in 2008. I received a court summons from an attorney saying I owed 1244.00. I called this attorney and made arrangements to pay 75.00 a month. The person I spoke to at the attorney's office said I did not have to worry about the court and that they would not garnish my wages. The clerk at the courthouse said I still need to file an answer with the court or they will place a default judgement against me and not to believe what the attorney's office told me. What happens now? Is it in my best interest to still file an answer with the court? If so what information should I include in my statement? Please Help! I cannot afford to have my wages garnished or a judgement against me.

Thanks


Asked on 3/15/11, 7:51 am

1 Answer from Attorneys
Timothy Klisz Klisz Law Office, PLLC

The court is correct and the lawyer wrong. You should certainly answer the complaint and get your settlement in writing and have it filed with the court. If you need further help, contact me at kliszlaw.com to discuss. Tim Klisz

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Answered on 3/15/11, 8:06 am


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