Q: Will I automatically lose if I know the debt is mine?
I was just served for a debt and have to appear in sessions court. With the papers they’ve attached to the summons, it appears there’s a copy of what I’m assuming is my last statement from the original credit card company.
I’m pretty sure it’s the amount I owed not including all the interest fees. Does that mean I’ll lose the case? Do I make a plea at this hearing?
If I do lose, do I have to pay all at once? Thank you in advance for your help!
A: Unless you have a valid defense to the debt or wish to challenge it; there's a chance you will lose and end up with a judgment against you. You would not have to pay it all at once, per se, but the creditor can levy your bank accounts and garnish your wages. You would also have an option to file a slow pay motion if you wanted. There's no "plea" since it is not a criminal proceeding - but you would have the opportunity to discuss the issues with the creditor's attorney and maybe resolve the issue.
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