Q: Not sure what to do with a Consumer Credit Transaction Summons
On 5/10/17 a Consumer Credit Transaction Summons was delivered to my father in law at my address with me listed as the Defendant and Capital One Bank listed as the Plaintiff. It states that I am required to "serve an answer to the annexed compaint upon plaintiff's attorney, at the address stated below, with the time provided by law as noted below". It also states that "you need not physically go to the court to serve an answer". It also states "this communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose".
I do not deny that I owe the debt, but I cannot afford to pay the whole $4,057.66 that it claims that I owe. I can make $100 monthly payments through February 2018 in which time I should be able to pay the remaining balance. At this time I am looking for some guidance from a lawyer on how to proceed with answering this summons and how to get this settled outside of court.
A: I charge $500 to answer such a summons. The payment plan you seek is obtainable, but to avoid a judgment you must answer. Once judgment is entered your credit will be impacted and it is harder to settle.
Barry E. Janay agrees with this answer
1 user found this answer helpful
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A: I charge $499 to Answer such a Summons, but if you call right now I'll throw in a free EZ Chopper 3000 a value of $19.99, but yours free if you call today!!!!
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