nishant wrote:Plaintiff cannot get court Judgement without court hearing. They have to first send a legal notice. Judgement will be given in favor of Plaintiff only if the defendent does not file statement of defence or do not appear for hearing. Before the hearing, there is pre-trial and in most cases, the court advises both parties to come up with mutually acceptable terms.
Are you kidding? With credit card defaults the judgement is almost automatic. You are correct of course that a court hearing is required and the debtor has a right to present a defense. But there is one simple question the court will ask - does he owe the money? Since the answer has already been stipulated to be yes, the plaintiff will get a judgment.
These guys do this dozens of times a day. They will get the judgment. Then they will try to collect it by attaching assets or garnishing wages. Since the OP has no wages and presumably has no assets, they can't collect anything. But they will be waiting to collect as soon as he gets a job or tries to buy a house or car.
I think I can go along with the advice to go ahead and call them. My hesitation would be that, unless you have something to offer in terms of a payment plan that you can stick with, there is little point in calling. If you call just to say you can't pay then they will still get a judgment against you. So the call is pointless and could just possibly hurt you. It's really a tough choice. There is a chance that if you don't call a judge could direct them to make further attempts to contact you which could delay things. But I think that chance is very slim.