Ask Bill your personal finance question

Credit Card Debt Hearing

I have been summoned to appear for a hearing related to credit card debt. What should I do if I can't afford an attorney?

Last year I was served a summons here in PA for an old credit card debt. The hearing was scheduled for January 2010. I missed the hearing and did not attend. The law firm representing the plaintiff missed the hearing as well. I received a win by default, but the firm successfully applied to have the case re-opened. The trial is scheduled for about 2 weeks away. I have no money to hire a lawyer and I am unsure if I am allowed to because I had it appear as if I were representing myself. In addition I have no idea of where to find one that would help me on such short notice. Is there anything that I can do? If they win and freeze my bank account I will miss all of my student loan payments and other bills. This is a frustrating situation and I hardly make enough money a week as it is. Please advise!

Read full question
Bill's Answer
(5 Votes) | Find Learn Save

I agree that it will be difficult for you to find a pro bono attorney in less than two weeks. However, that does not mean that you should not try.

See the resource Legal Aid to learn more about how to find no-cost legal services.

You can also represent yourself. See the the resource Credit Card Lawsuit to learn more about the hearing and what to expect.

To learn more about what can happen if you do not resolve the debt, read Served Summons and Complaint and collections advice.

For more information about debt, and for debt help resources, I encourage you to visit the debt help page. I hope this information helps you Find. Learn. Save.



(5 Votes)

People also like to Read

Mark Cappel

Discover what debt help services are available to you. Debt help services and savings from


Pay Off Loans | Review four sure-fire free tactics to Pay Off Loans payday and credit card loans, quickly and at the lowest ...

Mark Cappel

Debt Relief | A debt relief loan can actually reduce your debt. Discover your loan options and where you can find a loan......


1500 characters remaining