Complaint Repossession With Credit Card In Mecklenburg

Category:

Civil Actions - Replevin

State:

Multi-State

County:

Mecklenburg

Control #:

US-000265

Format:

Instant download

Description

This form is a Verfied Complaint for Replevin. The plaintiff has filed this action against defendant in order to replevy certain property in the defendant's possession.

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FAQ

You need to respond to the summons with what is called an Answer. You can go to the clerk of courts and ask to see a case file involving a credit card debt where an Answer was filed and copy the form, but changing the details (eg name and case number) to copy what was in your summons.

Some collectors want 75%–80% of what you owe. Others will take 50%, while others might settle for one-third or less. So, it makes sense to start low with your first offer and see what happens. And be aware that some collectors won't accept anything less than the total debt amount.

The only thing you should ever say to debt collectors is ``what is your address''. Get it and then hang up. Write them a letter saying that any form of contact other than mail is inconvenient for you. Also state that you have no knowledge of the debt, and ask them to verify it with the original creditor.

However, laws in North Carolina protect consumers from wage garnishment. Most unsecured debts in North Carolina, such as medical bills and credit card debt, cannot be garnished from your paycheck. However, a creditor can put a lien on your property or levy your bank account.

Consistent with applicable law, we securely share complaints with other state and federal agencies to, among other things, facilitate: supervision activities, enforcement activities, and. monitor the market for consumer financial products and services.

Contact your card issuer via the phone number on the back of the card or the issuer website's live-agent chat. Tell the customer service representative that you think you were the victim of fraud. The agent may have you confirm recent transactions to be sure any authentic purchases are processed correctly.

If they sue and get a judgment against you, it is possible they can take cars and belongings to satisfy the judgment, but there is a legal process for that. The important thing here is to not ignore the issue. If you don't respond, the creditor may get a default judgment that they can attempt to collect.

I have a problem with a business. Where can I get help? You may wish to file a consumer complaint with the North Carolina Consumer Protection Division. You can file a complaint online or call 1-877-5-NO-SCAM for assistance.

Debt collectors cannot repossess your possessions if the debt is unsecured, such as a credit card or student loan. In the case of secured debt, however, particularly auto loans, for which the car is collateral, failure to make payments can result in repossession of the vehicle.

More info

First, choose the consumer complaint form that fits your problem. A free online service to help users prepare court documents to file for certain case types.Learn more or start a filing. Complete any blocks which apply to your complaint. You have 30 days to respond to a debt collection lawsuit in North Carolina. You should respond with a written Answer and assert your affirmative defenses. If you don't make your car payments on time, your lender might have the right to take your car without going to court or telling you first. You can dispute a repossession online with all three credit reporting agencies, and this is the most efficient way to pursue removal. By completing this form, you consent to the use of your information for this purpose. I got a job, got my car back.

Complaint Repossession With Credit Card In Mecklenburg

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FAQ

How to respond to a credit card debt summons?

What percentage should I offer to settle a debt?

What should you not say to debt collectors?

Can debt collectors garnish your bank account in North Carolina?

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