Summons answer

[StormShadow]

What is the name of your state? Az

If I Answer to the Summons, would I still be charged court/attny fees etc. on top of what I already owe? Or does this happen if it goes to a hearing only. Discover is suing for 4095.00, I am not denying any part of the debt, all I want is to pay this off without my employer finding out about it. If Discover wins, do they automatically garnish your wages, or can a payment plan still be arranged? If I send them a settlement plan right now, would it still go to court? One more thing, do they give you a chance to settle before it goes to trial?

Thank You

 

[Ladynred]

You'll still wind up with atty/court costs - an atty had to prepare the lawsuit and then pay the court filing fees before you were served.


Here's a list of what is exempt in AZ:
http://www.thebankruptcysite.com/exemptions/arizona.htm

Anything NOT on that list is vulnerable to lien/siezure.

There's no way to tell if they will go for garnishment right off the bat. They may try for non-exempt assets first, like your bank account. Failing that, garnishment of 25% of you net wage is likely.

Yes, you can settle out of court, so write up a settlement offer ASAP. If you can't make a lump sum payment, try for set payments that you can afford to make. If they agree, and you falter, they'll go for the execution of the judgment with a vegeance.

If you go to court, you may very well be offered a settlement, yes.

Go to www.creditinfocenter.com and read up on settlements and the kinds of things you want to put in your offer.

 

[StormShadow]

Thanks for your advice. I will follow it and see what happens next.

What a headache.....

 

[Ladynred]

Yep. Discover is quite nasty and will sue for almost any amount, no matter how small. I'm SO glad I never fell for their 'get money back' BS, never got one of their cards !

Good Luck!

 

[Tb0040]

Discover is one of the accounts I am dealing with. Did they use a third party-Ca to collect the debt. Did they accept your offer or make arrangements with you? Will a judgement go on your credit report?

 

[bigun]

A judgment will show up in the public records section of your credit report.