If you have been unable to pay your debt back for some time, your creditors may seek legal action against you to collect that debt. Usually, when you miss a payment, your creditors will they start with phone calls, then letters, or e-mails, and they get more aggressive.
After some time, they will start a lawsuit and you will know by receiving a summons and complaint. If you receive a summons and complaint, do not ignore it like a phone call or regular letter!
The Summons in Minnesota
A summons is written notice letting you, as the defendant, and the court know that a complaint has been served or provided to all the relevant parties. A complaint is a written allegation and lets you know the basis of why you are being sued. In your case, a complaint may contain allegations that you opened a credit card on such and such date and that there is an outstanding balance that has not been paid back in some time. Then, the complaint will state what the creditor wants, which is usually what is owed on the credit card balance, interest and fees. Also, the complaint will state that the creditor is entitled to relief and demand judgment from the court.
The Summons and Complaint in Minnesota
If you are served with a summons and complaint, do not avoid the service processer or deputy trying to serve you. Also, do not contact the creditor’s attorney, because any information you provide them could be used against you when they bring the lawsuit in front of a judge. Further, do not contact the court, since they cannot provide legal advice about your case. If you are served with a summons and complaint, you should reach out to an attorney to seek legal advice.
CALL NOW FOR A FREE STRATEGY SESSION FROM A MN BANKRUPTCY LAWYER AT LIFEBACK LAW FIRM
So, if you’ve been served with a summons and complaint and want to know if Chapter 13 or Chapter 7 bankruptcy may be an option, and or if you have questions or are ready to get your life back, reach out to Minnesota’s nicest bankruptcy law firm by going to www.lifebacklaw.com. You won’t regret it!
