I owe a credit card company $2,000, but I never took action because they never offered to help me pay it off. Next year, it will fall off, so I thought there was no point.
However, my pet sitter answered the door when there was a knock on it today while I was away from home. She only said to “come back tomorrow,” without confirming or refuting that I was a resident. Oh no. Thus, they placed the documents at my door.
Is there anyone who knows if I have to answer? Neither I nor any other occupant of the house received the papers from them.
What is probably going to happen if I don’t answer?
They will obtain a default judgment against you if you don’t reply.
Next, they seize your bank accounts, lay liens on your belongings (vehicle, house, etc.), and in certain cases, garnish your earnings.
All of which will increase your debt by thousands!
Ignoring it was a mistake, and it won’t go away.
I myself, as a creditor, would prefer that you refrain from responding with a profound, well-judgment that goes beyond go and collect.
They won’t give up on you; you have to respond and you will ultimately receive decent service. Eventually, they’ll obtain authorization to send them to you via letter, publish it online or in the newspaper, or use another method of assistance.
This was an error I made in college. $10,000 will quickly become $2000. Do not overlook this at all.
They will take anything liquid, including CDs, bank accounts, and savings accounts. Without a doubt, they will garnish pay.
The bad news is that they will be far more understanding with you if you show up.
Others are right; they can take you to court because you used credit card without paying for it. Accepting the papers and reading them is required; failing to do so will only increase interest. Read the paper carefully and make your complete payment if you can; if not, there may be a lien placed against your assets.
If you choose not to use the service, there are usually other options available. They succeeded in getting you. It would be wise to have a look at them and make a sincere effort to resolve the issue. Lowball offers are definitely not the best course of action at this point, but you have the right to try. You genuinely hope for no criticism. Really?
Though it may seem like a ridiculous idea, couldn’t you just pay it? or begin making payments?
You would have an agreement on paper and would have made a nice dent in your debt if you put as much effort into trying to work out a friendly arrangement with them as you do trying to avoid your duty.
If you don’t reply, they will notify the court that the serve was genuine even though it may not have been. I wouldn’t take a chance on it; you ought to reply.
It’s probably small claims court because the sum is so tiny; simply file an answer and attend the sessions. In California, a mandated settlement conference is held prior to your court appearance. During this time, the parties are expected to attempt to negotiate a settlement and maybe lower the amount owed.