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How do I answer interrogatories for a suit regarding credit card debt?

How do I answer interrogatories for a suit regarding credit card debt?

Q: What is the 11 word phrase to stop debt collectors?

The phrase is: 'I do not owe you this debt.' This statement can sometimes halt collection efforts, as it prompts the collector to verify the debt. However, be aware that this might not stop all collection activities, and you may need to follow up with a formal dispute.

Q: What is the 777 rule for debt collectors?

The 777 rule for debt collectors is similar to the previously mentioned 777 rule. It emphasizes that consumers can request validation of a debt within seven days of first contact. If the collector cannot validate the debt, they must cease collection efforts. This practice helps protect consumers from erroneous claims.

Q: What happens if you ignore a summons for credit card debt?

Ignoring a summons for credit card debt can lead to a default judgment against you. This means the court may rule in favor of the creditor without your input, allowing them to pursue wage garnishments or bank levies. It's crucial to respond to the summons to protect your rights and options.

Full question:

I live in NJ and had a summons to appear in court on March 9. I tried working with a debt collector to try and resolve a credit card (Capital One) issue. This went on for several months but the they refused to settle for a lesser amount. I failed to show up for the court date and have received interrogatories through the mail with a 30 day cut-off date. Must I answer the interrogatories (which I have not done)? If so, I have no idea how to fill them out. Please advise if you can offer this help if needed?

Category: Discovery
Subcategory: Interrogatories
Date: 04/07/2025
State: New Jersey

Answer:

Interrogatories are generally required to be answered unless an objection is made that they seek privileged information, or areoverly broad, unduly burdensome, and not reasonably calculated to lead to the discovery of admissible evidencce. A motion for extension of time may be granted in the court's discretion to allow a party more time to act in a litigation matter. The court will often grant the motion when the moving party can show a justifiable reason for the delay and is not seeking a delay merely for the purpose of delay or for an improper or harassing motive. Requiring additional time to obtain evidence, witnesses, or assistance of counsel is generally considered a proper motive. The court is more likely to grant an extension when there hasn't been a previous request(s) for additional time. Sometimes a continuance may be stipulated to by the opposing party's attorney and the court may be more likely to grant the extension when it has been stipulated to by the opposing party or their attorney.

I am prohibited from giving legal assistance, this service provides information of a general legal nature. Please refer to the attorney directory at the link below:

http://lawyers.uslegal.com/general-practice/new-jersey/

This content is for informational purposes only and is not legal advice. Legal statutes mentioned reflect the law at the time the content was written and may no longer be current. Always verify the latest version of the law before relying on it.

FAQs

How to answer a court summons for credit card debt?

To answer a court summons for credit card debt, you should file a written response with the court by the deadline specified in the summons. Your response should address each claim made by the creditor, either admitting or denying them. If you believe the debt is invalid or you have defenses, state those clearly. It's advisable to consult an attorney for guidance on how to structure your response and ensure it meets legal requirements.

What is the 777 rule with debt collectors?

The 777 rule refers to a strategy where you can request verification of a debt from a collector within seven days of their first contact. If they fail to provide this verification within seven days, they cannot continue collection efforts. This rule is not a formal legal statute but a common practice to protect consumers against aggressive collection tactics. Always document your communications with debt collectors.

Is it better to settle a debt or go to court?

Settling a debt can be a quicker and less costly option than going to court. It allows you to negotiate a lower amount and avoid the stress of litigation. However, if you have strong defenses against the debt, fighting it in court may be beneficial. Consider your financial situation and consult an attorney to weigh the pros and cons before deciding.