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!
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".
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.
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.
