Legal Question in Credit and Debt Law in New York

Re: settlement before judgement?

There are three issues you need to consider.

1) You can challenge the service of process (18 year old girl) by what is called a traverse hearing. However, all this will do, IF you win on the traverse is make them go through the service of process again and in most cases means they do not even have to serve you personally. On a practical level, all this will do is buy you time.

2) You can try to settle with the creditor. Personal experience has shown they are more likely to settle at the courthouse when the creditor AND debtor are both represeneted by an attorney.

3) If all this fails, consider filing for Bankruptcy. This office if available for all your needs.

Yours truly,

Neil E. Colmenares, Esq.

The Law Office of

Neil E. Colmenares, P.C.

45-15 Union Street

Flushing, NY 11355-3440

718-888-3108 (Telephone)

718-888-3067 (Facsimile)

[email protected] (Electronic mail)

www.necpclaw.com (Website)

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