Being Sued

[Dionne]

Hi I'm being sued by Barclay 1700 and I'm barely making it what do I do I had consolidation going on and wasn't working at the time and couldn't afford it no more 500 Month lost that couldn't do chapter 7 cause I did one in 2013 They sent papers to my house I'm barely making it My Credit was good Titans messed up my Credit I had A1 Credit. Start paying they said don't pay nobody else. And they didn't tell me my Credit score ? was effected and said keep cards you don't owe sent half my money back kept there's

[Clydesmom]

I am going to attempt to decipher your post but in the future please use complete sentences and punctuation.  It is much easier to read and understand.

13 hours ago, Dionne said:

I had consolidation going on and wasn't working at the time and couldn't afford it no more 500 Month lost

You enrolled in debt consolidation and could not afford it?  Nothing that can be done about that now and it won't affect the lawsuit or help it.

13 hours ago, Dionne said:

My Credit was good Titans messed up my Credit I had A1 Credit. Start paying they said don't pay nobody else. And they didn't tell me my Credit score ? was effected and said keep cards you don't owe sent half my money back kept there's

Which is why debt consolidation is typically a REALLY bad idea but again, that ship has sailed and there is nothing you can do about it in relation to this lawsuit.  Many debt consolidation firms end up getting their clients sued and leave them hanging.

 

13 hours ago, Dionne said:

couldn't do chapter 7 cause I did one in 2013

So BK is not an option.

13 hours ago, Dionne said:

They sent papers to my house

You were properly served so you need to answer the suit.  It appears you are being sued by an original creditor.  There is not really a defense to the suit other than identity theft and you say it is your account or the SOL has expired.  When did you make the last payment on the account?  If they filed timely then your only option really is to settle.  NV allows wage garnishment so they will most likely go after what little money you have.  Whether you can make it or not will not be of concern to them.

 

[Jerry Ser]

Not sure where to post this. I received a letter from Rubin and Rothman New York ( I live in New York City/Queens) about a old Bank of American credit card debt.  It reads that the "creditor has a claim against you in the above amount" (10,600). Bank of AMerican is stated as Current creditor and as an Original creditor. The letter says that "unless you dispute the validity of the debt, or portion thereof, within thirty days, we will assume the debt to be valid. If you notify us in writing withing 30 days ...we will obtain verification of a debt and or a copy of a judgment against you and mail it..." What do I do and how to I respond? I have no big assets or property and all my bank money are exempt (judgement proof). I make $250-300  a week after taxes from wages and I have about 2,000 in the bank. No property except a 25 year old car (market value 2,000). What should I write back. Bank of america told me that the account is no longer with them and is withe the above mention law firm.  TRAKAMERICA was mentioned too. Perhaps the lawfirm works for TRAKAMERIKA. Last time a made a payment to the bank of america was less than three years ago. Bottom line is I have no money to pay (unless they accept less than 5% of the original).

THANK YOU

Jerry