First i want to say if this has already been sent

First i want to say if this has already been sent from me I apologize.... I thought I sent this question this morning but it does not show up anywhere.

So... I have an ORAL HEARING w/Allen Adkins for a CC debt and was wondering what to expect. I was served the summons, I answered in the allotted 20 days and then the next thing I got was a certified letter notifying of Oral Hearing in front of a judge. This debt is for $1700 and I am wondering what paperwork I should take (or not) to court??? I am losing sleep over this and not sure WHAT to expect. I am in Austin, Texas, took a huge pay cut and tried to pay what I could on all bills but when they hiked my interest rate to 29.99 I couldn't do it anymore. The worst part is, I had been a great customer for 13 years, never late and on time but one month I had a 7.65% rate the the next it was 29.99%

Can you give me ANY advice as to how i should handle this oral hearing or maybe what to expect. How should I prepare?

Thanks so much!!!

1 Answers

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How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

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