You’ve Been Served Bakersfield Bankruptcy Blog
DO NOT HIDE OUT FROM THE PROCESS SERVER. He, or she, will do one of two things: you either be sub served you or “sewer served”.
Sub Service-California allows a process server who cannot locate a person to leave copies and then mail a copy.
“Sewer Service”-process server throws a copy the summons down the sewer. Highly illegal, but popular with sleazy creditors and debt buyers; I have seen it happen to my clients.
If you get papers, read them and make an appointment with my office to discuss your options. If you ignore the summons, the next step is a the creditor taking 25% your wages
If you do not file an ANSWER (a legal document filed with the Court that says you do not owe the money and responds to the allegations of the complaint), the next step is 25% of your take home pay goes to them (wage attachment). Attached to the complaint are notices that give dates of future hearings. IF YOU DO NOT FILE AN ANSWER, THERE ARE NO FUTURE HEARINGS.
The lawsuit may filed by someone who you never heard of. (There is a group of companies called debt buyers who buy the debt and then sue on it).
If you are sued you need to
-Defend the lawsuit; or
-File bankruptcy.
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