Legal Question in Credit and Debt Law in Pennsylvania

Defend the action to avoid additional costs and or attorney fees being added. Perhaps try to negotiate a lesser sum or contest the value of the alleged balance of debt. A judgement will be reflected on your credit report and also the Plainitiff can then try to execute on the judgment by taking assets you own ie bank account deposits, property tangible or intangible so forth.

I suggest contacting the lender for return of the bike to them. While they may not send someone to repossess, they may gladly tell you where you can take it. Additionally, you could consider a chapter 7 bankruptcy to possibly eliminate this and any other unsecured debt you have.

I trust this answers your questions, but feel free to call or e-mail me on a free initial basis.