Alright.. before I start...keep the "pay your bills" comments to yourself trolls 
I do not neglect the fact that my bills should be paid, but sometimes life altering events change things..
Ok... long story shortened down..
1) Got laid off from work September 2002
2) Job search was tough
3) End of December 2002, enrolled in credit counseling service to negotiate debts and continue making payments
4) April 02, 2003 - Made last payment to credit counseling service - Unemployment insurance was close to running dry
5) October 2003 - Finally landed a job, 13 months unemployed
At this point.. all of my credit accounts have "Charged-Off / Business Loss". I could not continue making payments while I was unemployed, and the creditors do not want to work with you at that point. Some of the accounts have been transferred to 3rd party collection agencies.
Fast forward to the present. I got served on Sunday for an account. I've done a little research and it leads me to believe they are a "Junk Debt" agency. They purchased the debt for $1 from the previous 3rd party agency. This "junk debt" agency is quite dirty I do have to say.. they filed the suit on April 06. My date of last payment on this account with the original creditor was April 17, 2003. That means the junk debt scum filed suit just in time, and beat the statute of limitations for the state of Maryland by 11 freaking days..
I have to answer the summons by May 07, 2006, and or course if I do not, i'm sure the plaintiff will win by default.
I don't have the money to consult with a lawyer until May 04, 2006.
I don't have a clue about this court stuff.. Am I able to file a motion to extend or something along that lines? I'm not sure the correct term to use for that, so excuse my "newbi'ish" langauge.
Hopefully I can get some sort of help with this matter, even a small bit. I desperately need it!
Thanks!!
I do not neglect the fact that my bills should be paid, but sometimes life altering events change things..
Ok... long story shortened down..
1) Got laid off from work September 2002
2) Job search was tough
3) End of December 2002, enrolled in credit counseling service to negotiate debts and continue making payments
4) April 02, 2003 - Made last payment to credit counseling service - Unemployment insurance was close to running dry
5) October 2003 - Finally landed a job, 13 months unemployed
At this point.. all of my credit accounts have "Charged-Off / Business Loss". I could not continue making payments while I was unemployed, and the creditors do not want to work with you at that point. Some of the accounts have been transferred to 3rd party collection agencies.
Fast forward to the present. I got served on Sunday for an account. I've done a little research and it leads me to believe they are a "Junk Debt" agency. They purchased the debt for $1 from the previous 3rd party agency. This "junk debt" agency is quite dirty I do have to say.. they filed the suit on April 06. My date of last payment on this account with the original creditor was April 17, 2003. That means the junk debt scum filed suit just in time, and beat the statute of limitations for the state of Maryland by 11 freaking days..
I have to answer the summons by May 07, 2006, and or course if I do not, i'm sure the plaintiff will win by default.
I don't have the money to consult with a lawyer until May 04, 2006.
I don't have a clue about this court stuff.. Am I able to file a motion to extend or something along that lines? I'm not sure the correct term to use for that, so excuse my "newbi'ish" langauge.
Hopefully I can get some sort of help with this matter, even a small bit. I desperately need it!
Thanks!!
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