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Frequently Asked Questions About Court Summonses For Credit Card Debt
How Do I Reply to a Court Summons for Credit Card Debt?
First the good news is your answer only needs to be 2-3 pages long. It should contain your answer (probably a denial) to the specific charges in the complaint and state all of your possible defenses.
The answer needs to be worded and formatted in compliance with the local court?s rules of civil procedure. The rules will dictate that you send your answer to the court and the plaintiff probably within 20 days of your receipt of the summons to avoid a default under those rules. According to the Credit Card Debt Survival Guide, it is important to send the reply certified return receipt requested to prove compliance.
What Are Some Good Defenses?
Good defenses should make the plaintiff prove a contract exists, prove the specific amount owed, and, if they are a junk debt buyer, that they can document ownership of the debt. The defenses you use in your answer must conform to your local rules of civil procedure.
The important thing to remember is that while you probably owe the debt, it is your right to demand that the plaintiff prove you owe it. You do not have to admit to owing the debt.
Local Attorneys Are Too Expensive. How Do I Find Help?
Most local attorneys know little about consumer debtor rights laws. They protect themselves by quoting a large retainer to handle your case.
Critiquing an answer to a summons is a basic legal task. Approach a newly minted attorney for an hour of their time. Or, if you have low income, you could be eligible for legal aid.
Remember, debt collection attorneys do NOT want to go to court with a consumer who actually responds to their summons. They want the easy money in non-answer defaulters.
This content is not intended as a substitute for legal advice. If you need an attorney in your local area, please contact a licensed attorney in your state.
Matt Highlander is a consumer who has researched credit counseling, debt settlement, debt collectors and collection attorneys. If you are seeking credit card debt relief, read the Credit Card Debt Survival Guide
categories: Credit Card Debt Court Summons,s,Affirmative Defenses,debt collection attorney,debt collection,credit card debt,credit card,personal finance,debt,credit,business,finance
HUD Senior Housing for Rent
Are you at that age where you are thinking about moving into HUD senior housing? Many people have considered and moved to HUD senior housing when they retired since their income has dropped considerably.
Life in HUD senior housing can be great. The residents there are around the same age and would like doing the same things you do since everyone is liked minded.
Moving into a suitable HUD senior housing is very important. You should think about what the HUD senior housing can offer you. Ask if they have programs that get residents involved with the community.
Other things to consider are how much you can afford. A HUD senior housing with all the top amenities will of course cost more. Evaluate what types of amenities you really want and what you do not need. Although HUD pays part of the rent, it does not mean the senior housing would be affordable to you.
After you have done your calculation, start looking for HUD senior housing that fit into your budget. Begin online and go to senior housing websites. These websites allow you to search for HUD senior housing by your criteria.
Another method to find HUD senior housing is to ask around your friends or colleagues and see if they are living in a senior housing that they can recommend. If they are currently living in HUD senior housing, they can probably tell you about the good and bad of such a living condition.
Look up reviews online about the HUD senior housing which should help you in deciding whether a particular complex is good. Many residents post reviews of their living experience in a complex on several websites. Use these reviews as a guiding point.
It is very important that you do your diligence when searching for HUD senior housing. That is because you want to find a hassle free living in your retirement so the more work you put in now to find a good place, the better reward you will have in the end.
My Advice for Stephen Strasburg
Mr. Strasburg: I understand how much hype you’ve gotten as a pitching prospect and I know how dominant you were in college. I, too, believe that you have an amazing set of pitches and could go really far in the majors. At the same time, I think you’re being utterly ridiculous to insist on $50 million when you’ve never played a baseball game as a pro. I have many reasons for the basis of my opinion.
One example is Mark Prior. Having pitched with USC and declared the best young pitcher in the country hands down, the Cubs signed Prior to a huge deal before he ever pitched a game. While it looked for a flash as if he may have very well lived up to expectations, his career was dealt a crippling blow as he was hit with injures. Injuries from which he’s never been able to recover.
Next is Ben McDonald, former Baltimore Orioles pitcher. Coming from LSU, where he led the Tigers to the College World Series twice, and also led the 1988 USA baseball team to the gold medal. He was selected first overall by the Baltimore Orioles, being hailed as the greatest pitching prospect of all time and a guaranteed Cy Young winner. In 9 seasons, he went 78-70, with a 3.91 ERA, and only 894 Ks in a little less than 1300 innings. Definitely not worth the bill he got going into the draft. Right now, history’s not looking too good for you.
Then, more recently, there’s Rick Ankiel. Touted as an exceptional pitcher and the next big thing in baseball a few years back, everyone believed that Ankiel was a lock for some Cy Young awards and probably more.
Ankiel had all of the same qualities that you do today. The Cardinals signed him to a record-breaking deal (but still one much smaller than yours) and he ended up entirely losing his stuff in the minors. He was lucky enough to carve out a role in the outfield, but I wouldn’t count on the same for yourself.
And it’s not just baseball where this happens. It happens in nearly every sport. Let’s look at some players like Ryan Leaf and Jamarcus Russell (more recently) in football, or players like Kwame Brown, Shawn Bradley, and Michael Olowakandi in basketball. It seems like it happens everywhere.
In finishing, Stephen, take the money where you can get it. Then, if or when you live up to this greatest prospect of all time billing, cash in when you hit free agency, landing a mega-deal from the Yankees or Red Sox. 20 million from the Nationals, or whatever record amount their offering, is a lot of money, especially for a 21 year-old that has never thrown a pitch in the big leagues. Now, go have your first (celebration) beer, buy yourself a super fast car and a huge house, then get to work preparing yourself for your MLB debut that the Nationals will, no doubt, rush you to.
Until next time, goodbye, Stephen.
