Rule number one in credit repair: NEVER, EVER, NEVER ignore a summons. File your answer even if you know you might lose. Remember the Plaintiff still has to win by 51% in his evidence and never admit to ANYTHING. I just challenged some "tough" Debt Collectors who are sue happy and most people are a bit afraid of these guys for their reputation. After I received the summons, I filed my answer with the court and showed up for court on the scheduled court date. I turns out the plaintiff had the case dimissed three days before the court date. (They knew they couldn't win) Remember these were the same guys that are "tough" and etc...etc... who gives s#!^ NOW, if I would have been scared and just not do anything, which some people have done here and other boards, I would have had a default judgement against me. Bottom line: You have nothing to lose by fighting. If someone is gonna take your money, at least make them "work" for it. Just liek when a cop write you a ticket-- DON'T ADMIT ANYTHING AND SHOW UP FOR COURT. You never know what could happen. They might not be able to prove their case more than 50% or they might doubt their case is strong enough if you put up a fight. You are better off fighting vs doing nothing about it--letting them win by default.
What else do you think is the reason behind collections? It is a tactic used to intimidate people to a point that they become "desensitized." And once they find out once has $$, its a quick victory.
