agn140 Posted January 26, 2005 Report Share Posted January 26, 2005 My son-in law recvd a summons from an attny trying to collect on a deficiency from a car that was reposessed about 2- 3 years ago. With the copy of the summons the attny sent him a copy of the auto contract with his signiture. He called to see if he could work out an arrangement and they said they would get back to him.Well they got back to him with interoggatories. they want to know everything about him even the kind of sheets he uses .Please suggestions as to how to proceed.They are looking for about 7 thousand.He owns a house,however, I don't think there is anything else that is attachable. Link to comment Share on other sites More sharing options...
admin Posted January 26, 2005 Report Share Posted January 26, 2005 Have you read the "If you're sued or suing" thread - lots of help there. Link to comment Share on other sites More sharing options...
agn140 Posted January 26, 2005 Author Report Share Posted January 26, 2005 the original creditor is Onyx. My son-law was paying them about 100 a month then couldn't make some payments and they just went right to the the attny. The first communication from the attny was the notice of lawsuit. The agreement with Onyx was verbal and nothing in writing before they turned it over. My question is validating out because the ball has started to roll with the lawsuit. How does my son-law know if any of the calculations are correct. Or what the exact amounts are for arriving at the money they are looking for. Link to comment Share on other sites More sharing options...
imjustagoyle Posted January 26, 2005 Report Share Posted January 26, 2005 You have to respond in writing to the Summons (should have a reply to date, or number of days you have to respond) and ask for Debt Validation. Link to comment Share on other sites More sharing options...
Guest Posted January 27, 2005 Report Share Posted January 27, 2005 Also you need to look into if they did EVERYTHING correct during the repo.The one thing about repo's is that on the contract it basically says...whoever holds the contract and tries to collect can be held accountable for what the repo company did..If you can find laws they violated during the actual repo you might be sitting pretty.. make sure to do that as well Link to comment Share on other sites More sharing options...
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