Charlotte, NC asked in Collections for North Carolina

Q: I received a summons about a credit card debt from a lawfirm that purchased the debt. What do I do next?

The summons was served to me on 4/19/24, the date issued on the summons is 4/12/24. It says I have 30 days to respond from date received. What should I do next?

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1 Lawyer Answer

A: You have choices. You can do nothing whatsoever. You can call the law firm to try to arrange a payment plan or if possible, pay it in full. You can respond on your own to the summons. You can retain an attorney to respond or to negotiate a settlement or both; or consult with a bankruptcy attorney if your financial situation is that precarious. I don't know what you should do; those are your options, all of which come with consequences. Choose wisely and best of luck.

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