Target national bank suing me for over $9000.00

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Postby DoingHomework » Thu Nov 17, 2011 4:16 pm

Nope. Suck it up and pay. Very few lawyers will talk to you without a $5000 or so retainer that you pay up front. Then, if you happen to win against Target or the law firm the most you can hope for is to not owe them $10000. You already admit to owing $7000 so the most you could be excused for would be $10000. It does not pay to fight in this case.

$17000 is not that much money. I'm sure it seems like a lot but if you pay it off aggressively you will eventually pay it off. Many people have done it.

How much are they going to garnish? $100 a month? $1000? How much? That would help us tell you how long it will take to pay it off.

The real problem here is that this really is your debt. When you initially failed to pay it as agreed they had the right to add on interest and fees. After all, you had their money or merchandise.

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Postby ooxs » Fri Nov 25, 2011 10:00 pm

Call the bank and initiate a dispute. They will do all the leg work and assume the cost of the investigation, if this is not looking favorable, talk to an attorney. Additionally this is a good time to file a report and hold on your credit.

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Postby California » Sun Nov 27, 2011 12:10 am

robmar43 wrote:I just got served with a citation from a a retired police officer in Texas. From Target national bank. Please someone that knows about what happens with this and what all goes on please tell me. I have never been sued in my life and am worried. the Target national bank card was mine. but I paid off what I owed. Now they brought this to my address that i have lived at for 36 years but the citation has an address that I have never resided at and a form with questions attached. Someone please give me insight on how to handle this. Also what is the best way to go about this. It asks did I recieve statements at that address and I never did. I have never resided there. After I return this form that needs to be notarized what happens. I appreciate any help. thank you in advance. :( :mad:

The statute of limitations to collect on a debt - even if it were yours - is 4 years. Check the dates they claim this debt was incurred.

Check the address that they have and see if you can find a person with your name at that address. You have to file a response to the lawsuit but, before you spend the money call the lawyers for Target and explain that you are not that person. Is there an account number on the lawsuit? Check your account number. Do whatever investigation you can first before you talk to their lawyers. You might save yourself some money if you just talk to them. Is your account with Target still open?

In California you have 30 days to file a response to a lawsuit and you can ALWAYS get an extension. Don't be scared by the "deadline". After any conversation with their attorneys FOLLOW UP WITH A FAX OR EMAIL TO THEIR ATTORNEYS TO DOCUMENT YOUR CONVERSATION.

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Postby Frog63 » Tue Feb 14, 2012 6:03 pm

I'm in the same boat. A judgement was awarded against me but the debt is now 5 years old. What do I do now?

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