Legal Question in Credit and Debt Law in Pennsylvania

civil complaint filed for debt against me

a civil complaint for the amount of 5,614.61 on a revolving credit card issued by us bank where the balance is in default since 10/31/02 has been filed against me.

in 2002 i lost a good job. since then i have gone from one low paying job to the next usually only lasting about 6 months. in 2005 i became disabled. the disability runs out next month.i did not recieve any money from this disability. i collected unemployment only for six months ending last month. i have never tried to make payments or arrange payments to this creditor. i have about 25,000 in combined debt and cant pay any of it at this time or basically at anytime in the last three years. what do i do now? do i contact the collection agency? do i try to defend myself in court? my attitude was you can't get blood from a stone but now i have this summons. before 2002 i had perfect credit now im in ruin so i just thought i would let it go. guess i was wrong. please help. now what should i do? thanking you in advance.


Asked on 2/10/06, 1:14 pm

1 Answer from Attorneys
Mark Johns Mark Johns, Esquire

Re: civil complaint filed for debt against me

You should defnd the action. Creditors must be able to prove all of the eleemnts. Many times on old accounts they cannot produce signed contracts. I offer free consultations.

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Answered on 2/10/06, 3:54 pm


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