Legal Question in Credit and Debt Law in Pennsylvania

Re: Credit Debt/ Civil Action Hearing

Either you are contesting the charges or you are not. If you have made payments on the debt, you will have a hard time disputing them now. Did you have the agreement where he was to pay off the cards in writing? If not, write to your ex, putting the agreement in writing and demanding payment. Chances are he will not respond, and you can use the letter of evidence of his obligation, because if this was not your agreement, the ordinary reasonably prudent person would have responded to your letter denying the obligation. IN WRITING, tell the credit card that you dispute at least some of the claimed charges, and demand in discovery, copies of the original credit card application, and evidence of all claimed charges, record of all payments made, and their accounting for the money they say they are now entitled to. If you have to go to court, tell the judge you demanded discovery, and that they did not respond, or that their response was incomplete and you can not defend against the claimed charges without the information, and that if they can not substantiate the charges, claimed fees and interest, that they can not prove their case, and you want it dismissed WITH PREJUDICE. It may not be dismissed, but it should delay things, and help with any settlement. In the mean time, go to the courthouse, and ask for help with the forms necessary to sue your ex for the charges, and you need the discovery from the credit card company to prove your case against your ex. Best case scenario, it gets dismissed with prejudice, worst case, hopefully your ex gets a judgment against him, but do not be surprised if you get a judgment against you, and your ex gets one against him for about the same amount as the judgment against you. Get from your bank the records of payments made to the credit card for your ex, and the judgment against him should include payments made by you for his benefit. Good luck.