Civil Summons

Discussion in 'Credit Talk' started by Chell, Oct 14, 2008.

  1. Chell

    Chell New Member

    If I am served a Civil Summons on a repossed car in the state of NC what does that mean? I've tired doing some online research but don't know enough of what I am looking at. Thank you!
     
  2. greg1045

    greg1045 Well-Known Member

    I think what it means that at the time it was repo'd, they sold it for less than the blue book value, and now they're coming after you for the difference. Please note the words "I think".
     
  3. jlynn

    jlynn Well-Known Member

    Yep...sounds like they are suing you for the "deficiency balance". That's the difference in what you owed, plus all the repossession fees they added on, minus the garage sale price the sold the vehicle for.
     
  4. TeeVeeDude

    TeeVeeDude Well-Known Member

    If you were served a civil summons it means you've been sued. You MUST file a response within the specified time or the plaintiff will win a judgment by default.

    You have to be sure you follow all the correct state Rules of Civil Procedure, as well as the local rules of the court in which you were sued. For the immediate response, that means filing an answer with the court and serving a copy of your answer on the plaintiff's attorney.

    You need to be able to get up to speed on those rules pretty quickly, or hire an attorney.
     

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