Court Summons

[convoy71]

If I recieved a court summons filed by a credit card company...

Two things, if I do not show up, what would a judge possibly render against me? The second thing is I ask to be declared bankrupt during the hearing, woud that settle the situation and can a judge grant it.

[bigun]

If you're a noshow, the judge will grant a default judgment and the creditor can then do whatever your state allows. They can garnish wages {if allowed} attach bank accounts, etc.
You just don't ask a judge to declare you bankrupt. You must file a bk petition. BK is a Federal matter and a state judge that will be hearing this lawsuit won't have the authority.
What state are you in and when did you last pay the orginal creditor?

[convoy71]

PA, last payment 2001

[bigun]

OK, the statute of limitations in Pa. is 4 years so that's no option.
Have you been sued or is a collection agency threatening? Have you demanded validation?
One other thing, wages can't be garnished in Pa.

[convoy71]

The paper says "Civil Action Hearing Notice", "Civil Complaint"

To be heard infront of "District Justice"(local judge of my town)

[bigun]

Convoy,
You really need to get in the ballgame here.
That "paper" is a lawsuit. It should give a date by which you must respond.
If BK is an option, you need to get to a lawyer ASAP.
If you're going to try and fight it or, settle you'll surely need to respond with a general denial/lack of knowledge to the summons and at the same time, demand validation from the lawyer. They are supposed to stay the lawsuit until they validate. Here's a sample validation letter. Send it CRRR.

[url]http://www.creditinfocenter.com/forms/sampleletter9.shtml[/url]