Collection Agencies/Junk Debt Buyers do not hesitate for one minute if you have not answered your Credit Card Summons.
If your Summons states you have 20 days to Answer and you failed to do so these guys will get a Default Judgment against you the very next day. If you have 30 days to answer the same thing.
This is exactly what they are hoping for I hope you know that. They serve you, you don’t answer, they file for their Default Judgment and get it. They then come after your Bank Account and to Garnish your Check.
If your State allows a certain percent of your Check to be Garnished you will quite possibly receive an Order from the Court telling you to appear at a Garnishment Hearing. This is totally degrading. They will ask you where you work, how much you make and then proceed to dock your check at the highest percentage that your State Allows.
I do not understand why people would just default. Especially with so much information to help you Answer your Summons. Even if you know it is your debt Answer the Summons, these companies probably do not have anything on you anyways.
Below is a time line of how fast these Collection Agencies come in for the kill after you decide NOT to Answer Your Summons and it is quite scary:
| Event |
Time Span |
| Suit filed | Within 2 days of receipt of costs |
| Summons served | normally within 14-28 days of filing suit |
| Filing for default | 20 days after service of summons |
| Entry of default | 14-28 days from filing *(unless court requires hearing which could add 30 additional days) |
| Issuance of execution bank garn wage garn sheriff’s levy |
anytime after entry of judgment |
| Return on execution: bank garn wage garn sheriff’s levy |
normally within 20 days from service of garn normally within 20 days from service of garn 90 days from issue date*** |
| Proceedings supplemental | anytime after 10 days of judgment entry; varies by county but generally can be requested every 90-180 days to examine debtor |
Like I have said they do not hesitate. They serve you and hope you default. Look again at how fast they go after that judgment and once they get that judgment look again and see how fast they come after your wages and bank account!
Answer your Summons!
Entries (RSS)
i have a summons that is dated as issued 04/12/2010 – however – it was dropped off at the office on 6/22/10 – i did not sign for it and it has been 2mths and 10 days since the issuing date – is this normal?? can they really have it issued and wait 2+ mths and not have you sign for it showing when it was served?