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Posts Tagged ‘loser’

I recieved a credit card summons on June 21st. I am in Gerogia and have 30 days to answer. I plan on completing my answer in next two days. I have consulted attorney and they all give me geral good answers in regards to making sure I answer first and high-level advice. they dont go deep as it would be consulting which they charge for. I am not ready or able to pay for a full fledged lawyer right now as some of them have said I have a "loser" case being that the amount of debt I have, it would be backwards of me to pay for a lawyer who would ask for more than half the amount I owe in debt.
Bankruptcy is out of the question as it is just K in debt. and I do not want to do debt consolidation programs or debt settlement agencies.I really want to put this behind me. It is not out of the SOL as it was charged off late last year.

After extensive research and help from people on boards & attorneys,
I am preparing my answer.

• In GA, is there an exact way to prepare my answer? Is there a database of GA court forms as other states have that would help?
• When answering, should I allude to myself as "Defendant" or use my full name when making statements?
• What exact verbiage should I use when accepting, denying, or need more info answers?
• Do I put my defenses on same sheet? Where on the answer to complaints do I put my defenses?
• Should I copy original complaint and put answer below each one?
• I want them to validate, not "verify" the debt? Should I attach a "Request for production", "Request for discovery", or "Debt validation" to the answer? or work it into my defense?

• I am also attaching and filling out a "Notice of Appearance" to state I will be at the court date whenever it is set and I want to be notified of every single change or communication. Is this ok?

• At the end, I am also attaching a "Certificate of service" that shows I have also sent a copy of everything to the JDB’s attorney, the date, and what documents along with return reciept. I will do this right before I hear to court to give my answer to the summon. Is this ok?

• Do all of the forms need to be notarized? If not, which ones?

• Am I missing anything that I need to include in my answer to the summons?
I have "Answer", "Defenses", "Request for Production", & "Certificate of service"

BIG QUESTION: What happens after I file an answer? Who will I hear from? what is the time frame?

I want to avoid a default/summary judgement and ultimately want to settle this debt but do not want to do it informally out of court now that they have served me a summons.

The account is for K and is being represented by an attorney for Cavalry Portfolio who was assigned from BofA.
Does BofA have anything to do with this debt anymore?
What is the lowest I should settle for if it does come my way?

Thanks

my brother has been doing his own business for the past years, and is not doing well, he does not want to end it and in a lot of debts, he does not go to his office for sometime now but insist that his business still in operation.he turns to gambling for big money but end up losing more and still keep finding people to invest or funds his company.
i had so many time ask him to wind up the business, get a job, paid all debt and start afresh but he say if he closed now, he loses big sum of money. Nobody in the family is able to get thru to him.

i actually enstranged from him for almost a year( i really pissed off, becoz we sold our house to clear his debts) , he himself never even give a phone call my parents since then.

Recently he called me up and saying he havind a very rough time and ask for a small amount of loan, but i do not agree and say if he want my help he can come back to my new house anytime ( i did so becoz my mother misses and worry about him too much) and yes he did come back after a month. and is only been a week and i think i’m losing it….

ok here are the point and what should i do? (B4 his financial crisis, he is a very resposible young man, why this is happening?)
1. i believes that his company is not in operation, even if it does, it must be in a very bad shape.
2. he gambled if he has the money (he also loses a lot in share market before) he just want big money now
3. few thousand dollars is not enough monthly salary for him and he rather sit in from of a computer keep posting for people to buy his company or asking for loan
4. he potentially will go to illegal money lender??!! i know…
5. he is turning into a loser who don’t want to get a job, just eat and sleep and everything is free.
6. OMG, can he still be saved??

I am being charged 8260.85 for breaking our lease (my ex and I lived together) and we both left when things weren’t looking well so i have been on top of this situation because i don’t want to look like i am running away from the situation..anyways, he’s not taking care of this matter (im pregnant with his baby too!!!!!! and he’s not taking care of this as well) and when i called the company they informed me that the letters they sent him were coming back and he hasn’t done anything. I called the apt. complex and they were trying to get in contact with him but he kept hanging up and wouldn’t do anything. I want to clear the debt after i give birth and get a job but he’ll be free of debt…how do i get the money he owes me..? Plus he owes me 490.00 of my bank card (LOSER DAMN LOSER AND I AM TOO). i never knew he was this way before we dated and after finding out that he was, it gave me another reason to leave him.

…how do i get the money he owes me..? Any advice or answers relating to what i should do will be greatly appreciated….!!!!!!!!!!!!!!!!!!!!