If my credit card company takes me to court will there be a jury?
I stared with a $25,000 consolidation debt, now five years later it's only down to $20,000 yet I've already paid $34,000. I no longer want to pay these crooks.
I don't know, call an attorney and ask them, they will tell you over the phone.
no you do not get a jury in a civil case. If you have a case against them get an attorney. If you owe more money than an attorney can save you get one. If you owe a little money and can not afford an attorney bend over and grab you ankles, prepare to pay them off or have your wages and or bank account garnished.
talk to a debt counsler if nothing else
You have a contract which you signed to get the benefits that you required. Part of that contract is that you service the debt that is created, providing you the benefit.
If you reneg then the other party can sue you for your departure of the terms of agreement. I guess that is where you are at right now. If they commence civil proceedings against you, you have the ability to defend yourself... but it is advisable to consult an attorney. They will have been able to lodge a default against you with credit reporting companies and this will negatively affect your credit worthiness.
If they are successful in court with gaining a judgment against you then they can also have the Court enforce payment and asset seizure of your things. Any shortfall will allow them to file for your bankrupcy.
Get an attorney and never sign anything that you do not intend to honor. Sorry if I have hurt your feelings here... but you have an honest answer that just might save your life if you use the info to re-establish friendly terms with the other party that will allow you to renegotiate more favorable terms.
Good Luck.... Don't Let this ruin your life.
It's too bad you signed up with a consolidation company. If you get noticed by a credit card company, talk to a consumer defense attorney. I was in a similar situation and was being harassed unmercifully. My lawyer, Hinsley in Houston did a fantastic job of taking care of the issue for me and I'm back on track. Just call a consumer defense attorney, don't put up with the creditors/credit card company threats.
Wow....honestly, it would have been better if you hadn't paid at all. In just 7 years, it would've wiped off your account had you declared chapter 7 bankruptcy. They really have taken a lot from you - but you should've read the interest rates. We all make mistakes, though. Read more about credit cards here - http://pinstor.us/articles/10-best-cred … one-cards/
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