Being sued by law firm representing debt collector

[Texasslinger]

So looks like I went into default on a debt back in 2010. Couldn't afford the payments. They came by my wife's and my house and tools pictures of the front of the house according to my neighbor. Knocked on the door and asked if I was me. I should have asked who he was. Anyway there's a docket number and the case is with county civil court at law in houston. Should I get a lawyer? Anyone she'd some hope on my situation?


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[TXARGUY]

Contact the law firm that is suing you (should be an introductory/cover letter included with what you got today that has their contact info on it). They'll cut you a deal for pennies on the dollar to settle the case without going to court.

If its debt you actually owe you need to do your best to work with them. You really don't want a judgement on your report.

I can vouch for the process. I went through a nasty divorce years ago that left me deep in debt. I just worked as best as I could with them to get it cleared off.

 

[Tejano Scott]

What kind of damages are they seeking? Are you willing to allow them to get a default judgment that can result in you having assets/paychecks garnished to pay their judgment? What is the nature of the debt? Need more facts.

 

[txinvestigator]

Yeah, do NOT think this will go away if you ignore it.
What Do We Do Now that We Have a Judgment? | Dallas Bar Association

 

[txinvestigator]

What kind of damages are they seeking? Are you willing to allow them to get a default judgment that can result in you having assets/paychecks garnished to pay their judgment? What is the nature of the debt? Need more facts.

They cannot garnish paychecks in Texas. Assets, bank accounts, yes.

 

[Tejano Scott]

Thou are partially correct. Which is why I asked about the nature of the debt and for more facts. Unpaid taxes, alimony/child support, certain structured settlements, and defaulted student loans can all very much result in you having your wages garnished. He hasn't given enough facts, which is why I asked. But you're right, they can potentially garnish his bank accounts too.

 

[Texasslinger]

Thanks gang! It's an old Wells Fargo cc. $2500 max


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[Sapper740]

They cannot garnish paychecks in Texas. Assets, bank accounts, yes.

"They" being debt collectors? Because the State sure can garnishee one's paycheck for child support, just ask my wife's dead beat ex.

 

[karlac]

So looks like I went into default on a debt back in 2010. Couldn't afford the payments. They came by my wife's and my house and tools pictures of the front of the house according to my neighbor. Knocked on the door and asked if I was me. I should have asked who he was. Anyway there's a docket number and the case is with county civil court at law in houston. Should I get a lawyer? Anyone she'd some hope on my situation?

Yeah, do NOT think this will go away if you ignore it.
What Do We Do Now that We Have a Judgment? | Dallas Bar Association

That link, in a nutshell, is basically everything you need to know should "they" go so far as to get a judgement against you.

For you own protection, you do need to appear in court on that date, and you don't need to hire lawyer to do that. If you don't appear you risk a default judgement being filed against you in any event. Then your creditors will have the options available to them in the above link.

About the only wiggle room you have after that would be filing for Bankruptcy, something you probably would not want to do for that small amount.

 

[txbikerman]

Try to make a deal with them to pay this back