Legal Question in Credit and Debt Law in North Carolina

Civil Summons

I purchased a car in February of 2003. Due to my husbands health and other reasons, I defaulted on the loan and voluntarily surrendered the car in November of 2003 to the loan company. Before surrendering the car, I attempted to work with them to keep the car, but they refused to lower the payments so that I could afford it. They sold the car at auction and have now served me with a Civil Summons saying I still owe $11,352.01 plus $1,702.80 in attorney's fees. The original amount financed was 23413.67 plus 10417.69. What should I do? I can not afford to pay this since my husband is disabled, but does not draw any disability income.


Asked on 3/11/06, 9:42 pm

1 Answer from Attorneys
Lynn Coleman Attorney-Mediator

Re: Civil Summons

You should respond to the summons by filing a written answer within 30 days after the date you received the summons. You should contact the attorney for your creditor to see if you can work out an affordable payment plan. If not, you should contact a credit counseling service to see what they might be able to offer you or recommend. They may tell you that you should consider bankruptcy. I believe the approved credit counseling service in your area is United Family Services. Lawguru rules prohibit me from posting a phone number, but you should be able to get their phone number from the phone book. The worst thing you could do is ignore the summons - it will not "go away."

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Answered on 3/13/06, 12:41 am


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