I own civil suit for $5000 from a credit card company, how can i avoid the lawsuit?
Besides paying this creditor, can a credit attoney help me with this and hurried track my credit?
Answers: Unless you come to some kind of agreement to pay sour your debt, you leave them no other choice but to sue you. So they will. If someone owed you $5,000 and refused to discharge you, what would you do to get back your money?
Aside from paying them, or proving you are not the party that owes them money, you can't avoid the lawsuit and you WILL lose. COLLECTING is an entirely separate issue. You CAN contact the ATTORNEY handling the suit and negotiate a settlement. They literally have a BOX of essentially IDENTICAL lawsuits to process at the same time. Credit cards don't sue until you are YEARS aft. By that time the are willing to accept almost $1,000 to settle an account this size. If the suit against you has be filed, you cannot avoid it; it already exists. You could have avoided it by paying your debt up to that time the suit is filed. Now your recourse is to hire an attorney to defend you. If you don't want to spend the money on a attorney, you may try calling the creditor and ask them to withdraw the suit if you pay the debt. Very promising you will have to pay any way, so you may as well try to avoid the court by paying very soon.
I have no idea what you show by fast track your credit. You already ruined your credit.
You want to avoid a judgment against you if at all possible. Do you have the money to pay them fund? If you have even 2500-3000 offer that as pay in full as settlement BEFORE you go to court. Make sure you gain any agreements in writing before sending money. Do not supply electronic access to your bank account and do not endow with them post-dated checks. If you talk to them they will probably settle for less than 5K, but you must own the money. If you allow it to go to court you WILL lose, and have to rate back the entire amount.
As far as your credit, it's already trashed. But, a judgment against you will trash it even more. I suggest you read Dave Ramsey's, Total Money Makeover. It's explains how you transaction from 'normal' to a debt free existence. It's not easy-it can be hard work. But, once you do it financial emergencies become a mere annoying person.
Addendum: You are NOT bankrupt. 5K is not bankrupt. It'll never go past mustard in court. You could get a second assignment, pinch every penny until it hollers, and pay this off surrounded by a short time.
Only a bankruptcy attorney will know how to help you at this point.
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Answers: Unless you come to some kind of agreement to pay sour your debt, you leave them no other choice but to sue you. So they will. If someone owed you $5,000 and refused to discharge you, what would you do to get back your money?
Aside from paying them, or proving you are not the party that owes them money, you can't avoid the lawsuit and you WILL lose. COLLECTING is an entirely separate issue. You CAN contact the ATTORNEY handling the suit and negotiate a settlement. They literally have a BOX of essentially IDENTICAL lawsuits to process at the same time. Credit cards don't sue until you are YEARS aft. By that time the are willing to accept almost $1,000 to settle an account this size. If the suit against you has be filed, you cannot avoid it; it already exists. You could have avoided it by paying your debt up to that time the suit is filed. Now your recourse is to hire an attorney to defend you. If you don't want to spend the money on a attorney, you may try calling the creditor and ask them to withdraw the suit if you pay the debt. Very promising you will have to pay any way, so you may as well try to avoid the court by paying very soon.
I have no idea what you show by fast track your credit. You already ruined your credit.
You want to avoid a judgment against you if at all possible. Do you have the money to pay them fund? If you have even 2500-3000 offer that as pay in full as settlement BEFORE you go to court. Make sure you gain any agreements in writing before sending money. Do not supply electronic access to your bank account and do not endow with them post-dated checks. If you talk to them they will probably settle for less than 5K, but you must own the money. If you allow it to go to court you WILL lose, and have to rate back the entire amount.
As far as your credit, it's already trashed. But, a judgment against you will trash it even more. I suggest you read Dave Ramsey's, Total Money Makeover. It's explains how you transaction from 'normal' to a debt free existence. It's not easy-it can be hard work. But, once you do it financial emergencies become a mere annoying person.
Addendum: You are NOT bankrupt. 5K is not bankrupt. It'll never go past mustard in court. You could get a second assignment, pinch every penny until it hollers, and pay this off surrounded by a short time.
Only a bankruptcy attorney will know how to help you at this point.