Target national bank suing me for over $9000.00

For just about anything you want to get off your chest about credit cards.
14 posts
robmar43
Green Member
Green Member
 
Posts: 4
Joined: Tue Nov 16, 2010 11:24 am
Location: Dallas TX

Target national bank suing me for over $9000.00

Postby robmar43 » Tue Nov 16, 2010 11:38 am

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:


jeffysdad
Centurion Member
Centurion Member
 
Posts: 875
Joined: Thu Apr 30, 2009 2:32 pm
Location: Texas

Postby jeffysdad » Tue Nov 16, 2010 4:09 pm

I've never experienced anything like this. But if you don't owe the money, call them up and tell them. A $9,000 debt isn't something one forgets. However, you may have owed them a smaller amount and it may have been compounded by them with additional fees.

If you do have an outstanding Target debt, figure out what the actual amount is and use that as a starting point to consider what you'd be willing to settle with them for.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

DoingHomework
Centurion Member
Centurion Member
 
Posts: 707
Joined: Tue Sep 22, 2009 1:15 pm
Location: Arizona

Postby DoingHomework » Tue Nov 16, 2010 4:11 pm

You need to contact a lawyer.

The form they want you to fill out sounds like "interrogatories." That means it is basically like court testimony. You need to answer very carefully.

Are you saying these debts are not yours or what? Did someone else have access to the card?

The bottom line is, if these were your debts, or if it was someone you knew who charged them with your permission, you are going to lose. If they are not yours then you will need to be able to prove it. Either way, you need a lawyer.

DoingHomework
Centurion Member
Centurion Member
 
Posts: 707
Joined: Tue Sep 22, 2009 1:15 pm
Location: Arizona

Postby DoingHomework » Tue Nov 16, 2010 4:17 pm

Can you provide clarification?

Is this debt on YOUR card? Can you document paying it off? More details might be helpful.

Mistakes do occur and it is possible that this debt is someone else's who lives at the other address. The cop/process server might have just been too lazy to find the right person.

robmar43
Green Member
Green Member
 
Posts: 4
Joined: Tue Nov 16, 2010 11:24 am
Location: Dallas TX

Postby robmar43 » Tue Nov 16, 2010 5:38 pm

Yes. the card was mine. I had originally opened this account 8 years ago. I didnt use it much. Paid off my balance. That was in 2005. Now five years later today when the retired officer comes to my door with this paper. It has my name but an address I never lived at. I dont know if someone got a hold of my account information but they are now charging me with the amount of over 9000.00 dollars.

DoingHomework
Centurion Member
Centurion Member
 
Posts: 707
Joined: Tue Sep 22, 2009 1:15 pm
Location: Arizona

Postby DoingHomework » Wed Nov 17, 2010 4:08 pm

Contact a lawyer.

Send them a certified letter saying that any charges after 2005 are not yours (assuming that is true) and demand that they produce signature slips proving you made the charges.

Ignore the questionaire until you have a lawyer help you fill it out.

DoingHomework
Centurion Member
Centurion Member
 
Posts: 707
Joined: Tue Sep 22, 2009 1:15 pm
Location: Arizona

Postby DoingHomework » Wed Nov 17, 2010 4:10 pm

If the charges are not yours then you do not have to pay them. But if they were made by a friend or relative then you may be responsible and the friend or relative could go to prison for several years for fraud. If that might be the case then you certainly should get on top of it.

User avatar
Mogul of Pineapples
Centurion Member
Centurion Member
 
Posts: 1271
Joined: Sun Jun 01, 2008 11:32 pm
Location: Smogland

Postby Mogul of Pineapples » Sat Nov 20, 2010 4:48 pm

What DoingHomework said is great advice. If these charges on the Target National Bank credit card are not yours and not by an authorized individual I can't imagine any legal grounds you could be held liable.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Chase Sapphire Preferred

Miyo
 
Posts: 1
Joined: Wed Nov 16, 2011 4:54 pm
Location: Scottsdale, Arizona

Being Sued by Target National $17,000 :(

Postby Miyo » Wed Nov 16, 2011 4:59 pm

Hi, new to forums~

My bad decision during college has caught up to me... I've recently been sued and a judgement has been granted against me to a local debt collection law firm - I owed $7000 back in 2006 and they have been adding 19% interest on me and recently renewed the judgement for $17,000... now they are going to garnish my pay 25% and I don't know if I can afford it. I tried calling the law firm and they basically told me to get lost and that my fear of losing my apt, job, and ultimately not being able to pay them is not their problem - also told me not to even contact Target to try to settle.

Is there anything I can do?

lexareece
Green Member
Green Member
 
Posts: 19
Joined: Sat Oct 29, 2011 5:47 pm
Location: Maryland

Postby lexareece » Wed Nov 16, 2011 7:25 pm

Lawyer up and prepare to fight, you will probably not end up owing anything in the long run... Or else very little. Banks are out of control!!!
In my Wallet-
[size=60]Bank of America-Platinum Privledges Cash Rewards Visa Signature 12K
American Express- , Starwood Preferred Guest 6K, Hilton Honors 6K, Amex Everyday 10K, Business Gold Rewards
Chase- Freedom Visa Signature-6K, United Millage Plus Explorer Platinum Visa-5K
Barclays- US Airways Dividend Miles Business Master Card 24K[/size]

[size=60]In a Drawer
Bank Of America- Platinum Plus Rewards- 22K, Royal Caribbean Visa Signature 8K
Discover- More Card 8K
Citi- Thank You Mastercard Card 6K, Hilton Honors Visa Signature-10K, American Airlines World Master Card 6.5K
Credit Union Card- 20K- 6.9%APR NO Fees Period(for when I get in trouble[/size]



Return to “General Credit Card Talk”

Who is online

Users browsing this forum: No registered users and 2 guests