Legal Question in Credit and Debt Law in Missouri

I have 1 credit card company that has been unwilling to work out a payment arrangement I could afford. Now they are suing me for breach of contract. The last payment I sent was 02-2010. I have sent several letters with no repsonse. Also I sent a letter to the attorney w/in 30 days & heard nothing. I have NO problems making payments. They just have to be what I can afford. Do I HAVE to go to court? Can I make an arrangement with county clerk? Any advice


Asked on 6/05/10, 5:20 pm

1 Answer from Attorneys
Michael R. Nack Michael R. Nack, Attorney at Law

A letter to the attorney is definitely not good enough. If you have been served with a summons and a petition then you must appear on your court date or hire an attorney to appear for you. If you fail to do one of these two things then the creditor's attorney will take a default judgment against you and the next thing you know there will be a garnishment on your bank account, a garnishment on your wages, or an execution on your property. You really should hire an attorney. We can usually work out some deal (settlement) with the other attorney that will save you money even after you consider the attorney's fees you pay to your attorney. I have handled hundreds of these cases in the thirty-two years I hvae been practicing law, and I may be able to help you myself. Please feel free to contact me for a free telephone consultation.

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Answered on 6/05/10, 9:39 pm


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