Legal Question in Bankruptcy in Pennsylvania

Debt civil action hearing

I have been given notice to come to a civil action hearing for a credit debt I haven`t been able to pay on in over 2years. Bill is $2500 -I am on unemployment -single father with one teenage daughter at home -with bad credit / no money / no assets / old cars / and no equity in my home. The plaintiff is a Debt Collection Law Firm which probably won`t accept anything less than the full amount. Do I need a lawyer? What can I expect in court? Also what options could I try if any to remedy this prior to court and after?


Asked on 4/30/07, 11:58 am

2 Answers from Attorneys
John Gibson John W. Gibson, Esquire

Re: Debt civil action hearing

You should file a Notice of Intent to Defend. It is best to have an attorney as soon as possible. It sounds to me like the law firm may have a statute of limitations problem if you haven't paid on the debt for years. The statute of limitations in Pennsylvania is four (4) years. It is not clear to me that partial payment of a debt restarts the statute of limitations but that is an argument that is commonly raised.

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Answered on 4/30/07, 12:17 pm
Glenn Brown Real World Law, P.C.

Re: Debt civil action hearing

I agree with the prior attorney.

However if you have other outstanding debts you may wank to explore a bankruptcy to resovle all of them.

Services available at a reasonable fee.

Good luck to you.

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Answered on 4/30/07, 12:23 pm


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