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[dabodu]

What is the name of your state?New York State

I had a credit card that I opened in 1996. I got a copy of my credit report yesterday saying it was charge off in 2000. Lately I have been getting calls from a lawyers office stating that they have placed a civil suit against me I received a copy of a summons that says the credit card company's name against my name. And as follows: you are summoned to answer complaint and serve copy of your answer within 20 days after service of this summons or 30 days if not personally delivered, which it wasn't. (Found taped on door). Summons date filed 10/20/04. In case of your (mine) failure to appear or answer, judgment will be taken against you by default for the relief demanded herein. Well, I never did anything. It has the name of the Attorney for the credit card company and their phone number. Whats does all this mean and what do I do now? Thank you for your responses. Sorry so long.

 

[JETX]

In case of your (mine) failure to appear or answer, judgment will be taken against you by default for the relief demanded herein.

Simply, this means... a lawsuit was filed against you, you didn't respond as required and a default judgment was awarded against you. That gives the judgment creditor additional methods of enforcing what is now a judgment, including garnishing wages, placing levy's on property and/or seizing non-exempt property.

what do I do now?

That depends entirely on what you WANT to do.
If you want to try to negotiate a settlement with the judgment creditor, contact them.
If you want to try to ignore this problem, then you will likely end up with a legal notice to your employer to garnish your wages.... and/or a notice to your bank freezing your account, or a notice of a lien being placed against your property, or a deputy knocking on your door with a moving van or truck to start hauling away and non-exempt assets.