Back On Track Newsletter
Back On Track Legal Services has had six successful years in San Diego county! Thanks to Many of You!! We held our third free legal open house in December, at the Mira Mesa Branch Library in Mira Mesa last year. If you missed it, no worries. We will be holding another one some time in the near year. But you don't have to wait until then, give us a call, or send us an email for an appointment today.
News You Can Use Always
The number one mistake borrowers make when they are sued for a debt is failing to respond to the notice, which usually arrives in the form of a "summons and complaint." If you fail to respond, the collection agency will get a default judgment against you. This will open up new avenues of collecting the debt from you.
If you do not attend your court hearing regarding your credit card debt, the court has no choice but to enter judgment against you in favor of the credit company. Once it wins a default judgment, your credit card company start garnishment proceedings or actions to collect the debt. So it is wise to attend your court hearing, or respond to the "summons complaint" as soon as possible in the beginning once you receive it.
judgment is entered against you, the creditor can petition the court
to garnish your wages Once the creditor serves you notice that he is
going to sue, you and your attorney have 30 days to prepare an
answer. The answer is your defense. It often explains why you don't
owe the debt or owe the entire debt that your creditor claims that
you owe. You or your attorney can submit this answer to the court
within the 30-day period, and the court then has to consider it
before issuing a judgment.
14021 Mazatlan Way
Poway, CA 92064
Business Hours: M-F 8:00am-5:00pm By Appointment Only