just got served
I'm not sure where to start. A sherrif just came to the door this morning and served me a civil suit from Discover by way of a Collection agency law firm Smith Debnam Narron Drake Saintsling & Meyers. What do I do? I have not VD the debt yet. It's about 18 months old. There wasn't a validation noticed attached, just a lot of legal paper, the summons on the front with a file no xx CVDxxxx on the upper right corner. We live in NC and moved 7 months ago from the county that is stated. Do we have to go to Union county to go to court- 4 hours away? Do they have legal right to sue me in this state? They are out of Raleigh. The bottom of each page says the usual 'this communication is from a debt collector. The purpose of this communication is to collect a debt'. Is this legitimate or just to scare us. It is the same letter head that we receive every few months trying to collect the debt. The next 'Exhibit A' is copied papers from Discover credit card aggrement - it's rules and agreement to pay. It is standard form on your credit card bills. Lastly a affidavit from an account manager for the law firm from the State of Ohio saying she has looked up the details and we are not in the military and that we have an aggrement with Discover to pay the said amount.
It says we have 30 days to go in person or send them something by mail. It would be the collection agency/law firm.
Now we have some money to pay this off, but we also have other credit cards that have gone to collections so this may happen again soon. I was just getting my ducks in a row to start sending them VD letters and then make a settlement offer. THen the summons came . I know the debts are mine, but at the time we didn't have the money to pay. Now that I can try to pay and they have all gone to collections I'm not sure where to start.
I just wished I knew more about his before it got so bad....I just didn't know that I should have delt with the OC before it went to collections. Once the interest rates went sky high it was almost impossible to make the payments. There should be a class on this so everyone knows what can happen. Most of us are decent people that had an unfortunate situation happen. I really want to pay these off and move on, but there really aren't any hard and fast rules with CAs.
Any help you could provide would be much appreciated.