Hi everyone. I haven't been on in awhile because of work and family emergencies keeping me very busy. Just when things start to calm down, guess what happens??? I get served, not once, but twice, within the past two weeks from my local sheriff's dept. with past due credit card companies seeking judgments against me. They are from two different companies. Both of the accounts have been delinquent for about 4 years now. I have NO idea how to handle this. The forms say that a court appearance is not necessary. Also, the sheriffs did not have me sign anything when they served me to notices and they are both VERY old. One of them was presented to the courts in 12/07. Is it normal for it to take this long to serve the defendant? Another thing is that the original creditors are cited on the forms, but it looks like the companies that took action are the collectors, not the original companies.
How should I handle this? I know NOTHING about where to even start...Any help would be very much appreciated.
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
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