My question involves collection proceedings in the State of:My question involves collection proceedings in the State of: Virginia.
I have a summons for a court date this month. I'm being sued by my credit union regarding a unpaid Visa credit card. The debt has not been sold. The credit union has retained an attorney to sue me. My credit card debt is 18K. The attorney's fees are additional $4500 + $75.00 court cost. With the summons they have also attached an affidavit, old credit card statement, transaction printout of 10 charges with redacted account number. I have verified that the person who has signed the affidavit still works at the credit union. I also also verified that the notary public who stamped the affidavit is in good standing.
I was mailed the summons. I have not responded. I will show up in court and ask for a continuance. This may give me time enough to see if I can fight this. Can you give me any suggestions? Also, I'm thinking about asking for an additional 3 months. Is that ok? Does that seem unreasonable? When I called the court, I was told that the other side has to agree to the date. If not, then it's up to the judge. This is Virginia and things are pretty conservative. Any suggestions on how to ask for more time?
I'm also concerned about the affidavit. There is verbiage in the affidavit that states that not only due I have to pay the 18K debt and $4500.00 lawyers fees and $74.00 court cost but I will also have to pay a 18% interest rate until paid in full. Is this legal?
Thanks for all of your assistance.
-Jen
Virginia
I have a summons for a court date this month. I'm being sued by my credit union regarding a unpaid Visa credit card. The debt has not been sold. The credit union has retained an attorney to sue me. My credit card debt is 18K. The attorney's fees are additional $4500 + $75.00 court cost. With the summons they have also attached an affidavit, old credit card statement, transaction printout of 10 charges with redacted account number. I have verified that the person who has signed the affidavit still works at the credit union. I also also verified that the notary public who stamped the affidavit is in good standing.
I was mailed the summons. I have not responded. I will show up in court and ask for a continuance. This may give me time enough to see if I can fight this. Can you give me any suggestions? Also, I'm thinking about asking for an additional 3 months. Is that ok? Does that seem unreasonable? When I called the court, I was told that the other side has to agree to the date. If not, then it's up to the judge. This is Virginia and things are pretty conservative. Any suggestions on how to ask for more time?
I'm also concerned about the affidavit. There is verbiage in the affidavit that states that not only due I have to pay the 18K debt and $4500.00 lawyers fees and $74.00 court cost but I will also have to pay a 18% interest rate until paid in full. Is this legal?
Thanks for all of your assistance.
-Jen
Virginia
Collection Lawsuits: Sued by Original Creditor. Need
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