January 20th, 2010 
admin 
Being in debt is tough enough, but if you received a court summons at your door for the debt you haven’t paid yet, your life is going to be a little rougher. Today, I received an e-mail from an anonymous reader.
I just received a court summons to show up in court, and it’s in a few weeks. I have no lawyer, I don’t have any money, and frankly, I’m scared! What do I need to do? I’m desperate for help!
First off, there’s nothing to really worry about. Summons are served to thousands every day, and you were just one of the very few unlucky people to receive one.
The first step that you’re going to want to take is by finding a lawyer in your area that deals with bankruptcies, and debt. It will be stupid not to get one. Yes, it’s going to cost you even more money, but it’s going to save you a lot of hassle down the road.
Next, don’t even think about not showing up. This is going to make it even worst. The worse thing that you can do is just ignore it, and not show up. If you don’t show up to the courthouse, they can do things such as garnishment of your wages, and more without you even knowing. You want to show up, and defend yourself.
When you show up to the court, you just want to be honest. Explain to the judge on why you’re not paying your bills. As long as you have a good reason (health, job loss, etc), you’re going to find that judge will side with you. A lot of the times, you’re going to find out that the credit company will be more than willing to work out a lump sum payment that can save you 60-75%. This scenario happens, take advantage of it!
I don’t want to give out too much legal advice, since I’m not a lawyer, but there’s two things that are smart. You want to get a professional lawyer, and you don’t want to ignore this! In fact, by showing up in court, it can save you thousands of dollars in the long run!
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Tags: Court Summons, Debt