Blessedby6
Junior Member
What is the name of your state (only U.S. law)? IN but original debt is in KS
I have been contacted by an attorney's office saying that I was about to be taken to court for an unpaid cc debt from 2001. To avoid going to court I had to set up a payment plan, and did that. The problem is, neither my husband or I can remember ever having this credit card, even thought the attorney says we paid on it for a year. I looked it up and it looks like the original creditor, who apparently was F.C.N.B., has dissolved. The attorney has refused to give me any information other than the original creditor, and the card number, saying it would "show her hand". The attorney informed me that I had been informed of this numerous times, but she had the wrong address and I have never received anything. We only just shredded the bank documents from those years about six months ago because we didn't think we needed them anymore.
How can I go about finding out more about the history of this debt, since my husband and I have no memory of it whatsoever?
If she proceeds with this in court, how does that work since I am in IN and the debt is in KS (and she is in NY)? Will a warrant be put out for me, or will a judgement be entered without me? How would I go about defending myself at all if I can't get to KS?
I'm not trying to get out of this debt is this is a legitimate debt, I've already set up the payment plan to pay it, but does that then say that I am responsible for it, even if we find out there is a mistake somewhere?
Alos, we've even looked at my credit reports, and there is nothing on any of those about a credit card, and we've called every company we can remember doing business with, all with absolutely no record of this. Any other places we could look for more information?
Thanks for your help! I apologize for any typos, I have a sleeping baby on my lap making it somewhat difficult to type.
Naomi
I have been contacted by an attorney's office saying that I was about to be taken to court for an unpaid cc debt from 2001. To avoid going to court I had to set up a payment plan, and did that. The problem is, neither my husband or I can remember ever having this credit card, even thought the attorney says we paid on it for a year. I looked it up and it looks like the original creditor, who apparently was F.C.N.B., has dissolved. The attorney has refused to give me any information other than the original creditor, and the card number, saying it would "show her hand". The attorney informed me that I had been informed of this numerous times, but she had the wrong address and I have never received anything. We only just shredded the bank documents from those years about six months ago because we didn't think we needed them anymore.
How can I go about finding out more about the history of this debt, since my husband and I have no memory of it whatsoever?
If she proceeds with this in court, how does that work since I am in IN and the debt is in KS (and she is in NY)? Will a warrant be put out for me, or will a judgement be entered without me? How would I go about defending myself at all if I can't get to KS?
I'm not trying to get out of this debt is this is a legitimate debt, I've already set up the payment plan to pay it, but does that then say that I am responsible for it, even if we find out there is a mistake somewhere?
Alos, we've even looked at my credit reports, and there is nothing on any of those about a credit card, and we've called every company we can remember doing business with, all with absolutely no record of this. Any other places we could look for more information?
Thanks for your help! I apologize for any typos, I have a sleeping baby on my lap making it somewhat difficult to type.
Naomi
Last edited: