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If this is a reference to a summons received from the court that a lawsuit has been filed by a creditor or collector, it is best to obtain legal counsel. If that is not an option, the defendant should be certain they claim all property exemptions allowable under the laws of the state where they reside. If the defendant is a homeowner be certain the homestead exemption has been properly filed. In some states the homestead exemption is automatized under state statutes and does not need to be filed. State and/or federal bankruptcy exemptions also apply to lawsuit judgments for protecting a defendant's property from creditor attachment.

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Q: How do you reply to a credit card summons?
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Can a civil summons be filed if the credit card debt has been charged off?

Yes


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What to expect at a court summons for credit card debt?

You have to attend court on the day stated on the summons. On that day, you will be asked if you know about the debt, and whether you accept that you owe the money.


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What to do with a civil summons that's not a credit card debt?

Get advice and attend the court or judgment will be given anyway without the judge having the benefit of knowing your circumstances.


Can a default judgment for unpaid credit card debt be awarded if you never officially received a court summons?

Yes, only a reasonable attempt to serve a civil summons is necessary. If the defendant is not located, refuses service of the summons, etc. the creditor's suit will be heard and usually a default judgment will be entered against the defendant.


Are special summons counted as a summons?

They are counted as a summon for any card that responds to simply 'a summon'.


You received a summons for a credit card bill can your wages be garnished if you do not answer the summons can your wages be garnished if you go to court and still don't pay the balance?

Well there are a variety of things that happens when you don't pay a credit card bill. Your interest goes sky high, and your balance will become huge, they cut you off, your reported to the credit agency/ bureau and collections agency. Yes they can garnish your wages if that is an option for them. You can go to court, there may be jail depending on circumstances. In the end your credit will be ruined. The only circumstance that would bring "Jail" into the equation is if you stole the credit card, or some other form of identity theft. There is NO debtor's prison in the United States!


Should you attend court for credit card summons even though you do not have the means to pay?

Yes. Do not ignore a court summons. They will issue a bench warrant for your arrest, and you'll be on the first step of turning a civil matter which could still be amicably sorted out, into a criminal one.


If a credit card company sends you a summons will it go on your credit report right away or does it mean they are bluffing?

A creditor does not issue a summons. A summons is issued by the court of jurisdiction when some form of legal action has commenced. A summons will not be placed on a CR. However, if a judgment is awarded in a lawsuit, that will be entered into the public records section of the CR and will remain seven years or perhaps longer. In regards to the "bluffing", if the person has received a summons from the court via regular mail, courier service, a process server or a sheriff; you can be certain it is indeed real and should be responded to within the time limit noted.


I came home today to court summons taped to my door for daughter who does not live here for credit card debt I do not know her address what should I do?

Contact the office of the clerk of the court that issued the civil summons immediately for instructions on how to return the summons. In most instances the court will allow the summons to stand, as it has been served at the only known address of the defendant and the suit will go forward with or without the response of the named defendant.