Legal Question in Civil Litigation in New York

Summons, debt, bankruptcy

just receive a summons today for one of my credit cards. I am not currently working. I start job training on august 14 and will not be able to work from september after i finish. My last job was from november 2007-end of Feburary 2008. I also have other credit card debt which is unsecured. Is bankruptcy the best thing for me right now and will affect me in the future for jobs? If i do not file for bankruptcy what will happen if i go to court for the summons i was issue today and how does it work with unsecured debt? I am not married and I am still living with my family. I do not have no children. I recently finish college and I do not own a car or a house.

Also I wanted to know, for my summons i just receive today. For the creditor I owe 1,276.62. If i call and talk to them to see if I can pay $300 by the end of this month and make a payment plan with them from september when I start working, would that help me avoid going through the court process and lawyer fees?

Also it says i have 21 day within receiving summons to appear and answer back. How should i go about dealing with this? This is my first time with everything


Asked on 8/06/08, 8:03 pm

1 Answer from Attorneys
Eric Schutzer The Schutzer Group, PLLC

Re: Summons, debt, bankruptcy

You need to answer the summons. You should try to negotiate the debt after answering the summons. You can contact me if you need legal representation.

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Answered on 8/08/08, 11:39 am


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