My jurisdiction is: north carolina, usa
story:when i lived in las vegas i had cap one credit cards. in 3/2005 i was disabled and have not been employeed since. after being denied twice, in 2008 my social security disability was awarded, and recieved funds for back benefits. then i paid all the debts i could and relocated to NC in 09/2008, with basically no funds left and future monthly benefit of $1200. now cap one has sued me for a balance of about $1500. the notice was not brought to my attention for a week, so i'm a bit behind on the deadline to respond (30 days), and i have no idea how i should respond. i must file an answer to avoid a default judgment, that much i understand, but have no idea what or how.
extra details: no other family except my wife and she is also disabled (from breast cancer) with only SSD for income. we have no real property or assets to speak of, and cannot afford a lawyer.
what do i do?
happy trails, ed.
story:when i lived in las vegas i had cap one credit cards. in 3/2005 i was disabled and have not been employeed since. after being denied twice, in 2008 my social security disability was awarded, and recieved funds for back benefits. then i paid all the debts i could and relocated to NC in 09/2008, with basically no funds left and future monthly benefit of $1200. now cap one has sued me for a balance of about $1500. the notice was not brought to my attention for a week, so i'm a bit behind on the deadline to respond (30 days), and i have no idea how i should respond. i must file an answer to avoid a default judgment, that much i understand, but have no idea what or how.
extra details: no other family except my wife and she is also disabled (from breast cancer) with only SSD for income. we have no real property or assets to speak of, and cannot afford a lawyer.
what do i do?
happy trails, ed.