Creditors have been hounding you for months. A new threatening letter arrives in the mail every day. The telephone rings at all hours of the night and day — calls from creditors threatening lawsuits, garnishments and, in some cases, jail time?!
You come home one day and attached to your mail box is something called a summons. The summons has official sounding language telling you that you must appear in a court and answer a complaint that has been filed against you.
It’s not clear when and where you have to respond, and because the summons appears to be issued by a court official, you worry that you may now be arrested. Is that possible? Will I have to pay all my debts to avoid going to jail?
If this scenario happens to you, please stop for a moment, take a deep breath, and realize that notwithstanding threats of jail time, creditors have no power to throw you into the brink. Although the summons and complaint begin a legal process that may result in a judgment against you, the judgment is civil, not criminal, and any bad consequence is purely monetary, a result that will not include going to jail.
Of course, the summons and complaint must be timely addressed by you, but you are free to move about without fear of being stopped, frisked and arrested, at least not in connection with the summons.
If you are overwhelmed with debt or debt collection activity, contact us at email@example.com for free information on your options.
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