Legal Question in Credit and Debt Law in Nevada
Credit card debt
I received a summons stating that I am being sued for a credit card that I don't remember obtaining. I called the Attorney and was referred to the Credit Bureau. I was told that the credit card was for another credit card company that was bought out, which I did have, but couldn't pay the debt. I don't recall how long it's been since I got the credit card. Please advise me what I need to do.
3 Answers from Attorneys
Re: Credit card debt
The Clark County Legal Services program provides this advice here: http://www.clarkcountylegal.com/collections.htm
Attorneys are trained, licesned and qualified to advise on whether a statute of limitations defense might help.
Re: Credit card debt
You need to file an answer or you will automatically lose. After you answer you can obtain the actual information and negotiate a settlement.
JOEL SELIK
Attorney at Law
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We, therefore will take no action on your behalf unless a written retainer agreement is signed. There are strict deadlines, called statutes of limitation, within which claims or lawsuits must be filed. Therefore, if you do not retain SELIKLAW, you should immediately seek the services of another attorney or other advisor.
Re: Credit card debt
I cannot advise people specifically through this service but only give general legal advice. You say you are being sued. If you fail to respond (Answer) the complaint a default judgment may be entered against you. This judgment could then be used to seize your property. If you answer the case you will have an opportunity to contest the case in the Court (but, of course, if you owe the money you may well lose your case). If you truly cannot pay the debt you may wish to consider bankruptcy. I suggest you consult with an attorney about your best course of conduct, I cannot advise you about what to do.