Bankruptcy, Liens & Credit Bankruptcy is a legally declared inability or impairment of ability of an individual or organizations to pay their creditors.
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05-15-2007
| | Junior Member | | Join Date: May 2007
Posts: 1
Rep Power: 0 | |  Being sued by credit card company
I received a summons on April 25 saying that I was being sued here in Santa Monica, CA, by Atlantic Credit & Finance, Inc., for $3947 plus interest & attorney fees for a Household Bank debt (which was charged off by HSBC in March of 2006) and that a Case Management Review was scheduled for Aug. 24. This is the first I have heard from Atlantic Credit & Finance. According to the summons, I have to "file a written response at the court" within 30 days, which means within the next week or so. I called the Santa Monica Courthouse, and they told me I needed to file a form CM-110, which I downloaded from the Internet. The form is confusing, and I'm not sure how to complete it or what to file. I don't know if I should send a certified letter for debt validation to Atlantic's attorneys, or attach one to this form CM-110 or what I should do. I can't take a chance on having my wages garnished or bank acct. frozen as I am just barely making it from paycheck to paycheck - should I consider filing for bankruptcy? Or do I need an attorney to complete and file the CM-110? I don't know what to do, and time is running out. I appreciate your guidance.  | | Domain Names Sponsor |  | |
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