lawsuit,summons,20days on Credit Card Debt

[tedcozytoes]

What is the name of your state? Washington
My daughter was handed an envelope with my name on it. There was a lawsuit summons against me, to respond in 20 days. 8500.00 is what I now owe, yes it is my debt. But I do not have the money and I can't afford an attorney. Can anyone Please help me on what to do? I do not have a job, my husband and I are not together, but legally he is still responsible for his and my bills. Please help.
Thanks in advance.
Sincerely,
Ted

[JETX]

Originally Posted by tedcozytoes

Can anyone Please help me on what to do?

Depends on what you WANT to do.
If you don't respond or show up in court, they will get a default judgment against you.

What was the EXACT last date of activity (payment or charge) on the account??

I do not have a job, my husband and I are not together, but legally he is still responsible for his and my bills.

Then they will also go after him when they get the judgment against you.

[K'Ta]

Originally Posted by tedcozytoes

What is the name of your state? Washington
My daughter was handed an envelope with my name on it. There was a lawsuit summons against me, to respond in 20 days. 8500.00 is what I now owe, yes it is my debt. But I do not have the money and I can't afford an attorney. Can anyone Please help me on what to do? I do not have a job, my husband and I are not together, but legally he is still responsible for his and my bills. Please help.
Thanks in advance.
Sincerely,
Ted

File your answer with the court. If your defense is that it's your husband's responsibility then answer with that. I have no idea how viable a defense that is.

[tedcozytoes]

I do not know the exact date of last transaction. I do not want my husband to be paying this bill. I have had so much theft identity that I thought this was one of them and it got out of hand and before I realized it , I have a lawsuit against me. Help.

[K'Ta]

Originally Posted by tedcozytoes

I do not know the exact date of last transaction. I do not want my husband to be paying this bill. I have had so much theft identity that I thought this was one of them and it got out of hand and before I realized it , I have a lawsuit against me. Help.

If your defense is that you're a victim of ID theft then call the police and answer your summons. The court won't take you seriously without a police report.

[JETX]

Originally Posted by K'Ta

If your defense is that you're a victim of ID theft then call the police and answer your summons. The court won't take you seriously without a police report.

You have NO idea what you are talking about!!
There is NO claim of identity theft to this debt, nor is there anything about it being her husbands debt!!!

[JETX]

Originally Posted by tedcozytoes

I do not know the exact date of last transaction. I do not want my husband to be paying this bill. I have had so much theft identity that I thought this was one of them and it got out of hand and before I realized it , I have a lawsuit against me. Help.

Now that the K-Tel idiot is (hopefully) out of the way.....

Your options are really very few.
Your best option is to find out the date of the last transaction. The SOL (Statute of Limitation) on a debt in Washington state is 3 years. If the DOLA (Date of Last Activity) was more than 3 years before the date the suit was filed, you can get it dismissed due to the SOL expiration (you will have to show up in court and present that defense).

However, it it has NOT been 3 years, the lawsuit would be valid and your only issue is to show up and hope they can't prove the debt... or don't show and they will get a judgment against you. Since WA is a community property state (as you already knew from your first post.... but that idiot K-Tel couldn't figure it out!!!), they could in theory pursue YOUR debt against your husband.

[K'Ta]

[quote=JETX;1491978]
You have NO idea what you are talking about!!
There is NO claim of identity theft to this debt, nor is there anything about it being her husbands debt!!!
[quote]

If I’m wrong, I’m perfectly willing to own up. I never claimed to have intimate knowledge of every states’ laws. The OP was asking what her next step was, or so I read it as such. The next step after being served is to answer, is that not correct? I fully admit I could be wrong never having actually made it to that point in my own life. The OP then went on to say that the debt was her husband’s responsibility and then she came back with the theory that it could be a result of ID theft, hence both my responses to her.

[JETX]

Originally Posted by K'Ta

If your defense is that it's your husband's responsibility then answer with that."

You need to learn to READ. That is not claimed ANYWHERE in the OP's posts. She said "yes it is my debt" and "legally he is still responsible for his and my bills."

The OP then went on to say that the debt was her husband’s responsibility and then she came back with the theory that it could be a result of ID theft

Again, that is NOT what she said.
She said that "I have had so much theft identity that I thought this was one of them".

hence both my responses to her.

And why your responses were NOT correct.

[debtcollector`]

You having a bad month JETX?

You've been a bit testy lately.

DC

[JETX]

Originally Posted by debtcollector`

You've been a bit testy lately.

Yep. Having a severe allergic reaction to idiot posts by idiots!!!

[JEOR]

Dear JETX,

Sure glad you do your venting on THIS forum.

Regards,

JEOR

[JETX]

Originally Posted by JEOR

Dear JETX,

Sure glad you do your venting on THIS forum.

Regards,

JEOR

Ach!!!! Afeared that I have been discovered by another of my alter ego 'fans'!!!
Yep, I have a split personality. The one on 'this' forum... and the one on others.
Sometimes the two personality's do switch though...

[JEOR]

JETX,
One would never suspect it, after experiencing how you seem so 'moderate' and use such 'sound judgment' in the other forum. 'Nuff clues?

JEOR