Being sued by Citi Financial

[inpain66]

That does seem fast. You are absolutely sure it is a summons for a judgment?

Usually you have 20 days to respond, then they have to get a judgment and a levy or garnishment in place which will take up more time.

I would ignore it, let them proceed, file and then just vacate the judgment in BK.

it is fast because Citi Financial sets up local branches so they can file on the 30th day with the district magistrate. I checked and it is registered but I have not been served yet. I am sure they will serve me at work to make me look bad. I am going to have to wait til monday to talk to my lawyer. I cannot afford to pay him more cuz of this. I have no money ..none. I am now on pills due to the stress of this thing plus facing layoff at work.

[fltoo]

That does seem fast. You are absolutely sure it is a summons for a judgment?

Usually you have 20 days to respond, then they have to get a judgment and a levy or garnishment in place which will take up more time.

I would ignore it, let them proceed, file and then just vacate the judgment in BK.

[AngelinaCatHub]

My ex was sued by Chase,

~Chase filed suit in June 08,
~Served in July 08,
~pre trial hearing in Oct 08,
~Ex showed up got a 2 week continuance.
~2nd pre-trial hearing he no-showed as pr BK lawyers suggestion
~A default judgment was entered in November 08.
~Filed BK7 in late November, BK attorney had the judgment vacated within a day. no biggie.

If you are going to file within the next 6 months I wouldn't sweat a judgment. If my ex had known the power of the automatic stay and the simplicity of having a judgment vacated post CH7 filing, he would not have wasted a 1/2 day off of work and time/stress worrying. It was pretty neat seeing the process work.

[2Bshinyandnew]

Under any circumstances, you DO NOT want any kind of Judgment. Go to Court. There is much to do before you get a trial. Since you do owe them, dispute the amount to stall them off. Also state in Court you have addressed a bk lawyer, give name phone etc. at that time only. This stalls it more. Tell the Judge you will be filing and the reason why is you don’t have enough money. (Why the hell you think I can’t pay for the car? “I got no money”). An understanding Judge may allow an extension until you can “afford” a lawyer for this case, [wink, wink, nudge, nudge] Judges are not all ogres. ‘Hub

My ex was sued by Chase,

~Chase filed suit in June 08,
~Served in July 08,
~pre trial hearing in Oct 08,
~Ex showed up got a 2 week continuance.
~2nd pre-trial hearing he no-showed as pr BK lawyers suggestion
~A default judgment was entered in November 08.
~Filed BK7 in late November, BK attorney had the judgment vacated within a day. no biggie.

If you are going to file within the next 6 months I wouldn't sweat a judgment. If my ex had known the power of the automatic stay and the simplicity of having a judgment vacated post CH7 filing, he would not have wasted a 1/2 day off of work and time/stress worrying. It was pretty neat seeing the process work.

[AngelinaCatHub]

AFAIK

In case you do not show up in court, they will get a default judgment against you. Then they will have to file to enter and execute the judgment. This should give you much more time to decide on when you want to file.

best

[dealdas]

AFAIK

In case you do not show up in court, they will get a default judgment against you. Then they will have to file to enter and execute the judgment. This should give you much more time to decide on when you want to file.

best

[inpain66]

So my last payment to Citi Financial was January. They filed lawsuit against me Friday and the court date is March 10th. That seems really soon. I cannot believe that they sued me on the 30th day of being late on payment. They are scum.

I am still short 300 for the lawyer to pay him in full to have the Chapter 7 filed. I will not have the money for 2 more weeks.
What happens if I do not file the Chapter 7 by the 10th of March?

Do I go to court then?

I finally called back Citi and told them I retained a lawyer. I had not done this before since I do not want my credit union to know until I actually file. I need to protect my car!!

Advice please!!!