helianthus
Junior Member
Hi, all. I am a 22 year-old college student residing in the state of Mississippi. It seems I've gotten myself into a pickle with the good folks at Discover Bank (picture it: a young, retail-obsessed freshman in 2013 with a $1500 Discover It card limit). At this juncture in life, I'd be willing to bet that no 19 year-old needs $1500 of disposable credit. We live and learn, I suppose.
Anyhow, my mother was served a summons on my behalf two days ago with Discover Card, of course, as the plaintiff, and I as the defendant. Their attorneys in this case are local, and I had received mail contact from this particular law office requesting that I call them. I did. I spoke with who I can only assume was a receptionist, and she took down my address to send out the instructions on sending in money order payments. I never received this correspondence via mail or otherwise. I was later contacted by the same woman. I explained the above situation to her, and she reviewed the mailing address in her files. It was incorrect, and from what I was told, she revised the address and resent the letter. I never received such a letter, and therefore was never able to send the attorney's office any money orders.
The summons itself includes a statement saying that I owe Discover Bank $1883 'plus costs,' a testimony of the knowledge of my Discover account from a litigation specialist on behalf of Discover Bank, and a copy of a mailed statement from 2014. In my frantic research to see how this should even be tackled (without paid legal representation), I've come across some defenses but I'm not so sure on how to proceed. I am a young (budding) professional who nannies full-time, schools part-time, and does outreach for a grassroots non-profit part-part-time. In short, I just don't have $1883 to shell out to Discover Bank, even if I wanted to. I've 27 days left to respond to the complaint.
Any feedback or advice would be tremendously appreciated, as this process is totally foreign to me!
Anyhow, my mother was served a summons on my behalf two days ago with Discover Card, of course, as the plaintiff, and I as the defendant. Their attorneys in this case are local, and I had received mail contact from this particular law office requesting that I call them. I did. I spoke with who I can only assume was a receptionist, and she took down my address to send out the instructions on sending in money order payments. I never received this correspondence via mail or otherwise. I was later contacted by the same woman. I explained the above situation to her, and she reviewed the mailing address in her files. It was incorrect, and from what I was told, she revised the address and resent the letter. I never received such a letter, and therefore was never able to send the attorney's office any money orders.
The summons itself includes a statement saying that I owe Discover Bank $1883 'plus costs,' a testimony of the knowledge of my Discover account from a litigation specialist on behalf of Discover Bank, and a copy of a mailed statement from 2014. In my frantic research to see how this should even be tackled (without paid legal representation), I've come across some defenses but I'm not so sure on how to proceed. I am a young (budding) professional who nannies full-time, schools part-time, and does outreach for a grassroots non-profit part-part-time. In short, I just don't have $1883 to shell out to Discover Bank, even if I wanted to. I've 27 days left to respond to the complaint.
Any feedback or advice would be tremendously appreciated, as this process is totally foreign to me!
