Bradford, PA asked in Civil Rights and Constitutional Law for Pennsylvania

Q: I an getting calls from discover credit card they are threatening to sue me for non payment im on disability and c

Can't repay what they want what can I do

1 Lawyer Answer
Peter N. Munsing
Peter N. Munsing
  • Wyomissing, PA
  • Licensed in Pennsylvania

A: First, get a piece of paper or a notebook.

Whenever you talk to them write down the date and time. Get the name of the person you are speaking with. If they say they can't give their name, ask how they identify themselves. Explain that you don't know who you are speaking with--they could be someone calling from Nigeria or China.

From what you say you may be judgment proof.

If you are lower income you need to contact your local Legal Aid/Legal Services Office.

However, what I would also advise is that you first find out if you agree with the amount, so ask them to send you a breakdown.

Do not give any social security or other information--after all they could be a fraud!

They will try to browbeat you into an agreement. You want to write down exactly what they say.

Do not agree to anything---just repeat --as in "like I was telling you, I need to see how you figure that amount."

Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.

The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.

Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.